FirstNet Checking
- Summary
FirstNet is an innovative free account that pays. With 4.44% APY, your checking account becomes a true investment, making more money than a traditional savings account. Since we refund ATM fees incurred by other banks worldwide, you'll never waste those gains on getting cash. Plus you get a MasterCard Check and Debit Card, online banking and bill pay for free. There are never maintenance fees or hidden service charges, just rewards for using FAB&T.
- Earn 4.44% APY* on balances up to $50,000
- Earn 1.76% APY* on balances over $50,000
- Free ATMs worldwide
- No minimum balance, low opening balance of $100
- No maintenance fees
- Free online banking and bill pay
- Free MasterCard Check and Debit Card
* 4.44% Annual Percentage Yield (APY) paid on balances up to $50,000 each cycle the minimum requirements are met. 1.76% Annual Percentage Yield (APY) paid on balances over $50,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.05% APY without ATM fee refunds.
- Requirements
- Make at least 10 point of sale debit card transactions per statement cycle
- Set up one monthly direct deposit or ACH auto debit or make one online bill payment per statement cycle
- Receive e-statements
- Sign in to your online banking account once per statement cycle














