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Hi Fi, Savings & Clubs

Hi-Fi Accounts

A Hi-Fi deposit account may be right for you if you have a larger sum of money and want to earn a higher rate of interest, but would need minimal access by check.

  • Interest-bearing account with interest compounded and credited monthly
  • We may change the interest rate of this account at any time
  • Minimum balance to open is $2,500.00
  • You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield
  • You may make an unlimited number of deposits into your account
  • Withdrawal fee of $1.00 will be charged for each debit transaction
  • An excessive transaction fee of $10.00 will be charged for each transaction in excess of six during a statement cycle
  • If you close your account before interest is paid, you will not receive the accrued interest
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
  • Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account
  • Transfers from a HI-FI account to another account or to third parties by preauthorized, automatic, telephone, or Internet transfer are limited to six per statement cycle
  • Monthly image statement by mail
  • Free direct deposit
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access

Additional Terms

The following additional terms apply to this account:

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process items that you write. When processing items drawn on your account, our policy is to pay them according to the dollar amount. We pay the smallest items first and internal checks before third party checks. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy minimizes the number of items that may result in an overdraft or NSF fee. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed on the Fee Schedule page. We encourage you to keep accurate records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

Savings & Club Accounts

Regular Passbook Savings Account - Variable

  • Minimum balance to open is $25.00
  • We may change the interest rate for this account at any time
  • Interest will be credited into account quarterly and compounded quarterly
  • If you close your account before interest is paid, you will not receive the accrued interest
  • If your balance falls below $25.00 on any day in the month, your account will be subject to a $1.00 service charge for that month
  • An excess passbook savings withdrawal fee of $1.00 will be charged for each withdrawal in excess of six during a calendar quarter
  • Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account
  • Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or Internet transfers are limited to six per calendar month
  • Unlimited deposits
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access

Club Accounts

We have Vacation and Christmas Club accounts in a variety of denominations to meet your needs. With a Vacation Club you can save for that dream vacation, pay income taxes, property taxes, country club dues, pool fees, or graduation gifts. Or save with our Christmas Club and be able to buy the gifts you want without using a credit card to pay for Christmas!

  • If your club account has the maximum required deposits before maturity, we will make an additional payment of that amount as a bonus for completing your club
  • The minimum deposit is one payment of the denomination of the club account
  • Withdrawals before maturity will be charged a penalty of the amount of one payment of the club
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access

Please contact a New Accounts representative at your branch for information concerning club accounts.

*Vacation Clubs open and pay out in the Spring, and Christmas Clubs open and pay out in late fall.

You might also be interested in:

Online Banking

Want to monitor the growth in your Hi Fi, savings or club accounts? Why not enable these accounts through Online Banking? Deposit by transferring from your checking.


Safe Deposit Boxes

Get peace of mind when storing your valuables in a FCNB Safe Deposit Box. Available boxes at the Fayetteville Main Office as well as Oak Hill and Ansted Locations. Click here for more info.