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Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Routing Number: 082904991Get Help870-994-2311
Fee Buydown Options
Disclosures
¹ Customers who require a paper statement will be charged a $3.00 monthly fee unless a $5,000.00 minimum daily balance is met on Slate, Cobalt and Sapphire accounts. Customers who require a paper statement will be charged a $3.00 monthly fee unless a $1,000.00 minimum daily balance is met on FNBC Money Market accounts.
² IDProtect® service is a personal identity theft protection service available to Cobalt Checking account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or church and their members, schools and their employees/students.
³ Interest rates are subject to change. Please call 870-994-2311 for most current rates.
⁴ If enrolled in Bill Pay, each user may have a $5.00 inactivity fee imposed each statement cycle unless used once within the cycle.
⁵ Customers in Topaz Checking who require a paper statement will be charged a $2.00 monthly fee.
⁶ Transactions will be declined and returned unpaid when there is not enough money in the account. Customers may be assessed a return item charge or fees from the merchant.
⁷ Customers cannot write checks (paper or electronically generated) on this account. All checks will be returned unpaid, even if the funds are in the account. (Topaz Checking)
⁸ SapphirePLUS Checking tiered rate account. Tier 1 rate of 3.90% Annual Percentage Yield paid on balances up to $20,000.00. Tier 2 rate of 1.00% APY paid on balances above $20,000.00. Default rate of 1.00% APY paid on all balances when qualifications are not met. To earn Tier 1 rate, account holder must complete 15 point-of-sale debit card transactions and receive one recurring ACH direct deposit of $250.00 or greater during each statement cycle. Opening deposit of $500 required. Rate valid as of 9/10/2024. One account per person per household. Fees may reduce earnings. The Tier 1 rate will not be applicable until the first full statement cycle.