Fannin Bank offers several styles of checking accounts to fit your needs.


Advantage Checking

Advantage Checking from Fannin Bank offers you truly free checking with no limits. No transactions limitations, no minimum balance required, Visa debit card with real-time fraud monitoring. Minimum balance to open is $100.00 E-Statements and one ACH deposit required.

Elite Checking

Fannin Bank’s Elite Checking is for those that want more from their checking account. With Elite Checking you get no transaction limitations, monthly statements that include check images, a Visa debit card with real-time fraud monitoring and no minimum monthly balance requirement. You will also receive accidental death and dismemberment insurance, Card Patrol with social security number monitoring, Payment Card Protection, Everywhere Cash Savings, identity theft insurance and identity fraud support service. Minimum balance to open is $200.00. Each statement cycle you will pay a $12.00 Club Charge Fee. For additional insurance coverage each statement cycle you will pay a $15.00 Club Charge Fee.

Kasasa Cash

A free checking account that pays you an interest rate of 1.00% APY each month on the portion of your balance that is $20,000.00 or less. On the portion of your balance that is $20,000.01 or more you will receive an interest rate of 0.15% APY. To qualify for this incredible interest rate all you have to do is use your debit card for twelve point of sale transactions with a minimum of $5.00 per transaction and receive one direct deposit ACH credit each qualification cycle. If you fail to qualify during the qualification cycle, fear not, for you will still earn 0.05% APY on your entire balance.

Rate Information for Kasasa Cash – Tier 1 an interest rate of 1.00% will be paid on the entire portion of your daily balance that is less than $20,000.01. The annual percentage yield (APY) for this tier is 1.00%. Tier 2 an interest rate of 0.15% will be paid on the entire portion of your daily balance that is $20,000.01 or more. The annual percentage yield (APY) for this tier will range from 1.00% to 0.15% depending on the daily balance in the account. If qualifications are not meet an interest rate of 0.05% will be paid on the entire portion of your daily balance. The annual percentage yield (APY) for this tier is 0.05%.
Qualification Cycle Information – The qualification cycle is the time between the last business day of the previous statement cycle to the second to last business day of the current statement cycle.
Statement Cycle Information – The statement cycle is the time that passes between two issued statements.

Regular Checking

With Fannin Bank’s Regular Checking account, you get no transaction limitations, monthly statements that include check images, and a Visa debit card with real-time fraud monitoring. Minimum balance to open is $200.00. If your balance does not fall below $600.00 during the statement cycle you pay no service charge fees. If you balance does fall below $600.00 during the statement cycle you will pay a $10.00 Service Charge Fee.

Now Checking

Fannin Bank’s Now Checking is for those that want all the benefits of the Regular Checking and earn interest on your money without the restrictions of a Money Market account. With the Now Checking you get no transaction limitation, a Visa debit card with real-time fraud monitoring and monthly statements that include check images. Minimum balance to open is $1,000.00. If your balance does not fall below $1,000.00 during the statement cycle you pay no service charge fees. If your balance does fall below $1,000.00 during the statement cycle you will pay a $15.00 Service Charge Fee. Who may apply?

  • Must be an individual (includes sole proprietorships)
  • A nonprofit organization
  • Agency accounts (if held for eligible entities)
  • Trusts (if held solely for eligible entities)

Senior Citizen

The Senior Citizen checking account is for individuals who have achieved 62 years and would like to receive a break on the minimum monthly balance and service charge fees. With Fannin Bank’s Senior Citizen account there are no transaction limitations, monthly statements that include check images and a Visa debit card with real-time fraud monitoring. Minimum balance to open is $200.00. If your balance does not fall below $200.00 during the statement cycle you pay no service charge fees. If your balance does fall below $200.00 during the statement cycle you will pay a $3.00 Service Charge Fee. At least one in the couple must be 62, and limit one per household.

You might also be interested in: