Club Checking


Club Checking makes it simple to keep your family finances safer and take smart discounts on financial services and everyday purchases. Even better, security and savings benefits are included with your Club Checking account at no additional cost.
  • FREE personalized wallet style club checks (limit one box per order)
  • FREE Unlimited Check Writing
  • LOW Monthly Service Charge of $6
  • HALF PRICE for Cashier’s Checks
  • FREE Safe Deposit Box for One Year (3x5 box where available - $11.25 savings)
  • ONLY $100 to open
Plus, at no additional charge:
  • Unlimited check writing and transactions
  • Instant Issue Visa® Debit Card
  • NetTeller Online Banking and FB&T Mobile app
  • Bill Pay and ClickSWITCH
  • eStatements
  • Clarity – Personal Financial Management System
  • Mobile Deposit– Make deposits via your Mobile Device
Your Club Checking account also provides you with the following non-banking benefits at no additional cost:
  • Accidental Death & Dismemberment Insurance **
Up to $10,000 of 24-hour coverage. Coverage divides equally on joint accounts & reduces by 50% at age 70.
  • Cellular Telephone Protection**
Up to $300 of replacement or repair costs if your cell phone is stolen or damaged. Cellular phone bill must be paid through this account. Covers first three phones listed on the cellular phone bill. Limit to two claims per year with a $50 deductible per claim.
  • Travel & Leisure Discount Membership
Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Registration/activation required.
  • Gas & Gift Card Discounts
20% savings on gas and gift cards with no hidden fees or expiration dates. Registration/activation required. Terms and conditions apply.
  • $hopping Rewards™
Access to exclusive offers and discounts at multiple leading online retailers. Simply shop online using the customized shopping portal and receive cash back. Your cash back will be held in your Shopping Rewards account to use toward future purchases or conveniently sent to you as a check. Registration/activation required. Online access is necessary.
  • IDProtect®
Allows you to rest easy knowing that our comprehensive identity theft protection service, can help protect you & your joint account holders from fraud & loss*.
IDProtect® service includes:
  • Identity Theft Expense Reimbursement Coverage **
Receive up to $10,000 to help pay expenses, clear your name and recover your identity, should you become a victim of identity theft.
  • Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Debit & Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. Registration/activation required.
  • 3-in-1 Credit File Monitoring
Equifax, Experian and TransUnion credit file daily monitoring. Includes alerts if key changes occur. Registration/activation required.
  • 3-in-1 Credit Report
Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Registration/activation required.
  • Total Identity Monitoring
Monitoring of over 1,000 databases. Registration/activation required.

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*IDProtect® service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service is available on behalf of the beneficiary, who must be the primary account owner (Fiduciary is not covered).
**Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.