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Compare Our Accounts
| Account | Regular Checking | Smart Club Checking | Super Now Account |
|---|---|---|---|
| Features | -Free ATM transactions at all FNBM ATMs -Unlimited check writing -Free direct deposit | -No minimum balance required -Free ATM transactions at all First National Bank of Manchester ATMs -Free, automatic transfer of funds to club accounts and for loan payments -Access accidental death and dismemberment insurance -Free direct deposit | -Competitive interest on entire balance -Free ATM transactions at all FNBM ATMs -Free direct deposit |
| Monthly Maintenance Fee | Avoid the $6 maintenance fee by maintaining a daily balance of $500 | $6 monthly membership fee | Avoid the $15 monthly maintenance fee by maintaining a daily balance of $1,000 |
| Free Online & Mobile Banking Access? | Yes | Yes | Yes |
| Free Debit Card? | Yes | Yes | Yes |
| Minimum Opening Deposit | $0 | $0 | $1,000 |
Regular Checking
¹ OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.
Smart Club Checking
¹ OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.
² Account holders other than Master Club or Master Club Super Now will be charged $2.50 per statement cycle for Processing & Delivery fee of paper statements. This fee can be avoided if the customer elects to use e-statements and not to receive a paper statement.
Super Now Account
¹ This Account is interest bearing. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue on the business day you deposit noncash items (for example, checks. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
² OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.