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Basic Checking. Simple and Built for Everyday Life.

FNBA Basic Checking gives you unlimited transactions, with no monthly service fees when you maintain your minimum balance, with all the digital tools that you need. No complexity. No surprises. Just banking that works.

This is our most popular personal checking account, and it is easy to see why. Stop by any of our four South Jersey branches to open your account today.

What You Get With Basic Checking.

Unlimited check writing

Write as many checks as you need. No per-check fees.

Free Mastercard® debit card

Contactless, secure, and accepted everywhere.

Free e-Statements

e-Statements available through online banking.

Free mobile banking

Check balances, transfer funds, and deposit checks from your phone on the FNBA Mobile App.

Free online banking and bill pay

Manage everything from home, on your schedule.

Free 24-hour telephone banking

Account access by phone anytime. Call 1-866-809-0301.

Free first order of checks

Get your first check order on us when you open your account.

Free direct deposit

Payroll, Social Security, or any direct deposit. Fast and automatic.

Zelle® enabled

Send and receive money in minutes with friends and family.

Monthly service fee: First year monthly service fee is free. Maintain your minimum daily balance of $100.00 and pay nothing. Fees waived for individuals 62+ years of age. Daily balance drops below $100.00 fee = $7.00

Everything You Need, Right on Your Phone.

Mobile Deposit

Deposit checks from anywhere using your phone camera. Available in the FNBA mobile app.

Bill Pay

Schedule and send payments to anyone, anytime. Free with your Basic Checking account.

Zelle®

Send money to friends and family in minutes. No cash, no checks, no waiting.

Account Alerts

Set up balance alerts, transaction notifications, and low-balance warnings. Free.

Clear Fees. No Surprises.

Fee ItemAmount / Policy
Monthly service fee

Maintain your minimum daily balance of $100.00 to avoid a monthly service fee. First year monthly service fee is free.

Waived for individuals 62+ years of age.

Daily balance drops below $100.00 fee = $7.00

Overdraft feeApplies when account is overdrawn without linked Account protection. See a banker for current fee.
ATM usage: Non-FNBA ATMsThird-party ATM fees may apply.
Stop paymentFee applies. See a banker for current amount.
Paper statementsFree e-Statements available. Paper statement fee may apply.

All fees subject to change. See a banker or visit fnbabsecon.com for the most current fee schedule.

Account Protection. A Safety Net You Control.

Link your Basic Checking account to an FNBA savings account and we will transfer the funds to cover the shortfall if your balance runs low. There is no annual fee.

Advance increments

Funds are transferred automatically to cover shortfall until the savings account has a zero balance

Annual fee

Zero Annual Fee. Subject to $10 transaction fee.

Transfers

Automatic, discreet, and available for all FNBA checking customers.

How to apply

Complete form at FNBA branch.

Common Questions

What is the minimum balance for Basic Checking?

Basic Checking requires a minimum balance to avoid the monthly service fee. Stop into any South Jersey branch or call 609-641-6300 and a banker will walk you through the current requirement.

Setting up direct deposit is straightforward. You will need your FNBA account number and routing number (031204804). Provide those to your employer or benefits provider and they will handle the rest. A banker at any branch can walk you through it if you need help.

For a lost or stolen ATM or Debit Card, please call 1-800-500-1044.

You can open your account by visiting any of our four South Jersey branches. A banker is always available to help you get started.

What Our Families Are Saying.

Visit a Branch

Stop by any of our four South Jersey branches and a banker will get you set up in person. No appointment needed.

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