FNBA has two interest-bearing accounts that can only be opened at one of its three branches.
Simple Checking, which Bankrate scored for this review, pays a competitive APY and requires only $100 to open, but it has a $500 minimum daily balance or $750 average daily balance requirement to avoid a $6 monthly service fee. It comes with a free ATM/debit card at account opening.
HomeTowne Checking pays top-tier rates and requires $1,000 to open. But it has a $1,000 minimum balance requirement to avoid a $10 monthly charge.
FNBA's nonsufficient funds fee is $30, which is below the national average.
Simple Checking pays a competitive rate.
Simple Checking comes with a debit/ATM card.
HomeTowne Checking pays top-tier rates.
The NSF fee is lower than the national average.