FAIB offers the following checking accounts for cost-effective money management:


Community Checking (formerly Basic Checking)

Write a few checks with no transaction charge and enjoy the freedom of checking

  • No minimum opening deposit
  • 24-hour ATM card access
  • Receive monthly statements for record keeping and reconciliation
  • Combined statement is free; you can archive documents and have the ability to see all your FAIB accounts on one statement 
  • No transaction charge when there are 8 or less checks, ATM withdrawals or other debits; $0.75 per additional debit if over 8 debits
  • No monthly fee and transaction charge if average daily ledger balance is $500 or more; $3 per month if below $500
  • You may make an unlimited number of deposits without charge

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Personal NOW Checking

Keep higher balances to earn interest

  • Low minimum opening deposit: $500
  • 24-hour ATM card access
  • Receive monthly statements for record keeping and reconciliation
  • Combined statement is free; you can archive documents and have the ability to see all your FAIB accounts on one statement
  • Earn interest on your entire checking balance regardless of checking balance level; compounded monthly
  • Unlimited check writing at no monthly fee and no transaction charge when average ledger balance is $1,000 or more
  • When average daily ledger balance is below $1,000, $8 per month plus $0.35 per check and each non-FAIB ATM withdrawal

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Special Checking

For seniors and students who want to enjoy a checking account

  • Eligible for seniors (over 62 years old) and students (18 years old or over) to enjoy
  • Low minimum opening deposit: $100
  • 24-hour ATM card access
  • Receive monthly statements for record keeping and reconciliation
  • Combined statement is free; you can archive documents and have the ability to see all your FAIB accounts on one statement 
  • No transaction charge
  • No monthly fee when average daily ledger balance is $100 or more; $3 per month if below $100

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Access your account at home with Online Banking