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Welcome To Our New Website!
FNBA Account Protection links your checking account to your savings account so a small gap in your balance never turns into a declined transaction or a returned item fee. Automatic, discreet, and available for all FNBA checking customers.
It happens. A paycheck hits a day late. A bill comes in a little higher than expected. Account Protection means your account keeps working, without the embarrassment of a declined card or the cost of a returned payment.
When your checking balance is not enough to cover a transaction, FNBA automatically transfers funds from your linked protection account.
| Feature | Detail |
| How It Works | Your FNBA savings account is linked to your checking account. |
| Transfer Increments | Funds are transferred automatically to cover the shortfall until the savings account has a zero balance. |
| Annual Fee | None |
| Eligibility | Complete form at an FNBA branch. |
| Linked Account | Requires an active FNBA savings account |
Applications available at any FNBA branch. Terms subject to change. Member FDIC • Equal Housing Lender
Here is what the difference looks like when a transaction exceeds your balance:
With Account Protection | Without Protection | |
Transaction covered? | Yes, automatically | No, declined or returned |
Fee charged? | Transaction fees may apply. | Returned item fees may apply |
Impact on you? | Seamless, no disruption | Declined card or returned check |
Returned item fees vary. Contact your branch for the current fee schedule.
Account Protection is available on all FNBA personal checking accounts. If you don’t yet have a checking or savings account with us, you can open both and add protection in a single branch visit.
A full-featured everyday checking account with no monthly service fee when your minimum balance is maintained. Add Account Protection at account opening or anytime after.
Account Protection requires a linked FNBA savings account. Statement Savings is a simple, interest-bearing account that doubles as your protection backup.
Yes. FNBA Account Protection works by linking your checking account to an active FNBA savings account as a backup line. If you do not have a savings account yet, you can open one at any branch.
No. There is no annual fee for Account Protection.
Stop by any of our four South Jersey branches to complete a short form. A banker will walk you through the process and let you know the same day.
Add Account Protection to your existing FNBA checking account or open a new account with protection built in. Visit any South Jersey branch to get started.
Fill out the form, and a member of our team will reach out soon.
