True Rewards

Open An Account

Where does it say that checking accounts cannot give a good interest rate?

We are breaking that rule and giving you unlimited checking and interest, too, with True Rewards Checking. With this account, you get the best of both worlds: earn interest on your balance and write all the checks you want, with no per check charges.


  • Interest bearing - 2.01% Annual Percentage Yield (APY) on balances up to $25,000

  • ATM fees refunded nationwide (up to $25 per statement cycle)

Plus, at no additional charge:

  • $100 minimum deposit to open account
  • No minimum balance required
  • Unlimited check writing and transactions
  • Instant Issue Visa® Debit Card
  • NetTeller Online Banking and FB&T Mobile app
  • Bill Pay
  • eStatements
  • Clarity – Personal Financial Management System
  • Mobile Deposit EZ – Make deposits via your Mobile Device
  • Direct Deposit available


In order to receive the 2.01% APY on Balances up to $25,000 and ATM fee refunds, you must meet the following qualifications each statement cycle:

  • Make 10 Visa® Debit Card Point of Sale (POS) Transactions (Not ATM) post and clear
  • Have at least one direct deposit OR at least one ACH auto credit/debit to your account
  • Enroll and receive eStatements
  • Sign onto  NetTeller online banking at least once

More Information

If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.05% APY; however, it will not receive ATM refunds for that time period.

Balances between $0.01 and $25,000 will earn the reward rate each statement cycle when the minimum qualifications are met. Balances above $25,000 will earn the account rate 0.40% APY each statement cycle when the minimum qualifications are met

We may change the interest rate and APY at any time after the account is opened. Rates are effective as of May 27, 2015.

***True Rewards Account is only available to residents of Arkansas, Texas, Louisiana, Mississippi, Tennessee, Missouri and Oklahoma.