Personal Cheque
Account Rewards
and Benefits
With your FNB Cheque Account, we have a host of rewards and
benefits designed especially for you. Please note that the rules
have changed, effective 1st July 2013 and we now offer
you even more value! The sections below detail the rewards and
benefits depending on the type of account you have with FNB.
Rewards:
Gold, Islamic Gold
& Encore Cheque
Accounts
Platinum & Islamic
Platinum Cheque
Accounts
eBucks
Discounts
Gold, Islamic Gold
& Encore Cheque
Accounts
Get up to 40% off flights, gadgets, shopping
vouchers, movies and more, when purchased
with your eBucks at the eBucks shop.
You can spend your eBucks at any eBucks
in-store partners, Online or through the eBucks
Contact Centre.
Visit www.eBucks.com for more.
Uncapped
ADSL Data
through
FNB Connect
Get up to 80%
discount
on monthly
Uncapped ADSL
Data.
Get up to 100%
discount
on monthly
Uncapped ADSL
Data.
Get up to 15% back on your qualifying
fuel purchases.
exclusive to
active FNB Tablet,
Smartphone or
Laptop Contract
holders.
Get up to 400MB
free monthly 3G
Data.
Get up to 500MB
free monthly 3G
Data.
Purchase
Protection
when you
purchase goods
with your FNB
Cheque Card.
eBucks Rewards
on Airtime
Earn eBucks Rewards
by purchasing
prepaid airtime using
FNB’s electronic
channels.
eBucks
Rewards on
Shopping
Earn eBucks
Rewards by
shopping
with your FNB
Cheque Card.
Page 5
Platinum & Islamic
Platinum Cheque
Accounts
3G Data
eBucks Rewards
on Fuel
Earn eBucks Rewards
by purchasing fuel
using your FNB Visa
Cheque Card.
Rewards:
Get up to 15% back on your qualifying
prepaid airtime purchases.
Extended
Warranty
when you
purchase goods
with your FNB
Cheque Card.
Get up to 1.2%
back on your
qualifying FNB
Cheque Card
purchases.
Get up to 2.5%
back on your
qualifying FNB
Cheque Card
purchases.
New
New
Free cover in the event that an
eligible item purchased on your FNB
Cheque Card is lost through theft,
fire and/or accidental damage.
Free cover whereby we
will double the original
manufacturer’s warranty for
goods purchased on your FNB
Cheque Card.
Subscription
Fees
Free access to Online, Cellphone &
Telephone Banking as well as the FNB
Banking App for your day-to-day banking.
inContact
FNB’s free SMS and email messaging service,
keeping you in touch with transactions on
your account.
Monthly
emailed
statements
Save fees and the environment by opting to
have your monthly statement emailed to you
at no additional cost.
Page 6
Rewards and Benefits Continued
Rewards:
Savings
Pocket
Gold, Islamic Gold
& Encore Cheque
Accounts
eBucks Rewards you can earn on your
qualifying purchases
Platinum & Islamic
Platinum Cheque
Accounts
Set up a monthly scheduled transfer to your
linked Savings Pocket at no additional cost!
The more you save, the better your interest
rate.
(Savings Pocket with no interest available
to Islamic Gold & Islamic Platinum
Customers. Customers may be eligible for
annual profit share.)
Automatically save your ‘left over cents’
when you purchase using your FNB
Cheque Card.
Bank Your
Change
(BYC)
Your purchase is rounded to the nearest
rand and the change is transferred to your
Savings Pocket.
Additional ‘Top-up’ amounts of R2,00;
R5,00; R10,00; R20,00 or R50,00 are
available.
SLOW Airport
Lounge Access
Free
Comprehensive
Global Travel
Insurance
Premier
Banker
Page 7
Platinum Cheque Cardholders enjoy
exclusive access to SLOW Domestic
Lounges and SLOW International.
New
Exclusive to Platinum Cheque
Cardholders when you purchase
your travel ticket using your
FNB Platinum Cheque Card.
Exclusive access to a team of Premier
Bankers for Platinum & Islamic Platinum
Customers.
You can now earn eBucks Rewards on your fuel AND airtime AND
shopping purchases!
Fuel
Get up to 15% back in eBucks on your
qualifying fuel purchases made with your
FNB Cheque Card.
Airtime
Get up to 15% back in eBucks on your
qualifying prepaid airtime purchases
made through FNB’s electronic channels
(Online Banking, Cellphone Banking and
the FNB Banking App).
Shopping
Get up to 2.5% back in eBucks on all other
qualifying FNB Cheque Card purchases.
To earn eBucks Rewards on your qualifying fuel,
airtime and shopping purchases, you simply
need to:
1. Meet all the qualifying criteria detailed in the ‘Meet the
qualifying criteria’ list below.
2. Accumulate points in order to determine your reward level –
this is based on your banking behaviour and product holdings, detailed in the ‘How to earn points’ list on page 10.
3. Earn rewards which are calculated by applying the respective reward rate to your qualifying monthly purchases.
Page 8
Meet the qualifying criteria by:
How to earn points:
Swipe your FNB Cheque Card for purchases.
(Please note that purchases on Debit and Petrol Cards
linked to your FNB Cheque Account do not qualify to
earn rewards).
Registering for eBucks.
Having an active FNB Cheque Account
in good standing*.
Having total monthly deposits
of at least:
• R2 000,00 - Encore Cheque Account.
• R5 500,00 - Gold, Islamic Gold & Young
Professionals Cheque Accounts.
• R16 500,00 - Platinum & Islamic
Platinum Cheque Accounts.
New
Allowing FNB to communicate to you
about our products and rewards and
ensuring that your inContact details are
updated.
Use an Overdraft Facility, Temporary Loan or
Revolving Loan.
Transacting via Online Banking, Cellphone
Banking or Telephone Banking, or the FNB
Banking App at least once a month, using
your own banking profile.
*
“Good standing” means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs.
At FNB we reward you on your good banking
behaviour each month - the better your banking
behaviour, the more points you accumulate.
Get points when:
• The value of your monthly Cash@Till TM withdrawals
exceeds the value of your monthly ATM withdrawals.
• You have not performed any transactions at
branches in the month (use FNB’s electronic
channels instead!).
• You have used your FNB Cheque Card to purchase
goods Online.
New
The more products you hold, the more points you
accumulate each month. Choose from a range of FNB
products:
• An active FNB Tablet, Smartphone or Laptop
Contract.
• Insurance Products linked to your FNB Cheque
Account (Smart Device Insurance; Optional Debt
Protection Insurance; Roadside Assistance).
• A Savings Pocket with Bank Your Change and a
minimum balance of R2 000,00.
• Emailed statements only.
• An active FNB Credit Card.
• An active Fluid Account (or Islamic Youth Account)
linked to your FNB Cheque Account.
Have your FNB Cheque Account open for three years
or more.
Open a new FNB Cheque Account – this will get you to
Reward Level 1 so that you can start earning rewards
immediately!
Join Bonus Booster: If in the 3rd month of opening
your new FNB Cheque Account, you have met the join
bonus booster criteria*, you will receive join bonus
booster points!
This means you will reach the highest rewards earn
level within just 3 months of joining FNB!
* Terms, conditions and rules apply.
Page 9
Page 10
Meet the qualifying criteria by:
Points are allocated for each of the activities mentioned
in the list on the previous page. Your total points will then
determine your reward level and thus the rate at which you
will earn rewards. The rate at which you earn rewards, is
detailed below.
Having an active Cheque Account in good
standing* .
Having total monthly deposits of at least:
• R2 000,00 - Encore Cheque Account.
• R5 500,00 – Gold, Islamic Gold & Young
Professionals Cheque Accounts.
• R16 500,00 - Platinum & Islamic Platinum
Cheque Accounts.
•
rate
• Reward
Maximum rate
foron:
Platinum and Islamic
Platinum Cheqeu Acc
Reward Level
5
Fuel
15%
Airtime
Shopping
15%
2.5%
Maximum rate for
Platinum & Islamic
Platinum Cheque
Accounts
4
7.5%
7.5%
1.2%
Maximum rate for
Gold, Islamic Gold &
Encore Cheque
Accounts
3
5%
5%
0.8%
2
2.5%
2.5%
0.6%
1
1%
1%
0.4%
Rewards will be allocated by the 8 th of each
month based on the previous calendar month.
Allowing FNB to communicate to you about
our products and rewards and ensuring that your
inContact details are updated.
Transacting via Online, Cellphone or Telephone
Banking, or the FNB Banking App at least once a
month, using your own banking profile.
*
“Good standing” means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs.
Points are allocated for each of the activities detailed on the
‘How to earn points’ list on page 10. Your total points will then
determine your reward level, and thus your monthly data reward.
Your monthly data reward at each level, is detailed in the table on
the next page.
Data Rewards
To earn Data Rewards you simply need to:
1. Meet all the qualifying criteria detailed in the ‘Meet the
qualifying criteria’ list on the next page.
2. Accumulate points in order to determine your reward level,
as detailed on the ‘How to earn points’ list on page 10.
3. Be rewarded! Your data will be allocated monthly in arrears.
Page 11
Page 12
Reward Level
5
•
ADSL
• Uncapped
Maximum rate
forData
Platinum 3G
andData*
Islamic
through
Connect
PlatinumFNB
Cheqeu
Acc
Get free monthly
Uncapped ADSL Data
Maximum reward for
Platinum & Islamic
Platinum Cheque
Accounts
500MB
Maximum reward
for Platinum &
Islamic Platinum
Cheque Accounts
SLOW Lounges
Platinum Cardholders enjoy exclusive access to our SLOW
Lounges. The SLOW Domestic Lounges can be found at the
Domestic Terminals of O.R. Tambo International, Cape Town
International and King Shaka International Airports. SLOW
International can be found at the International Terminal of O.R.
Tambo International Airport.
Qualifying criteria and terms of usage are detailed in the lists below.
Meet the qualifying criteria by:
4
3
2
1
Get a 80% discount
on monthly Uncapped
ADSL Data
Maximum reward for
Gold, Islamic Gold &
Encore Cheque Accounts
400MB
Maximum reward
for Gold, Islamic
Gold & Encore
Cheque Accounts
Get a 40% discount
on monthly Uncapped
ADSL Data
300MB
Get a 20% discount
on monthly Uncapped
ADSL Data
200MB
Get a 10% discount
on monthly Uncapped
ADSL Data
100MB
Having a valid, personalised Platinum Cheque
Card (failing which, access to the SLOW Lounge
will NOT be granted).
Having an active FNB Cheque Account* in good
standing**.
Having total monthly deposits of at least
R16 500,00 into your FNB Cheque Account*
in the calendar month preceding your visit
(or R5 500,00 if you hold a Young Professionals
Cheque Account).
Having total monthly swipes to the value of at
least R5 000,00 on your Platinum Cheque Card in
the calendar month preceding your visit.
* SLOW benefits available on Platinum, Young Professionals, Encore, and Islamic Platinum Cheque Accounts only.
** “Good standing” means that none of your FNB and FirstRand Bank Accounts and
Credit Agreements should be overdrawn, or be in arrears, or be in default, nor
should the account holder be undergoing sequestration, or be subject to any legal
process with FNB or FirstRand Bank as defined in our Ts & Cs.
* 3G data exclusive to active FNB Tablet, Smartphone or
Laptop Contract holders.
Page 13
Page 14
SLOW Domestic Lounge Benefit
Do you meet
the qualifying
criteria?
Peak time
allocation
Off-peak time
allocation
2 free SLOW Lounge
visits per calendar
month for the
cardholder only.
No guest visits.
4 free SLOW
Lounge visits per
calendar month for
the cardholder
(including guests).
2 SLOW Lounge
visits per calendar
month (charged at
R250,00 pp) for
the cardholder only.
No guest visits.
4 SLOW Lounge
visits per calendar
month (charged
at R250,00 pp)
for the cardholder
(including guests).
Personal Cheque
Account Pricing
1. Unlimited and Mobile Pricing Options
You get unlimited qualifying electronic transactions for
a fixed fee per month.
Qualifying transactions include:
• Debit orders
• Card purchases
• Electronic prepaid purchases
• Electronic payments and transfers
• Cash@TillTM
Electronic transactions above refer to transactions made using
FNB Online Banking, Cellphone Banking, FNB Banking App,
Telephone Banking (IVR) and FNB ATMs.
Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and
15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are
non-transferrable, with any additional entries (in excess of those
mentioned above and where qualifying criteria has been met) being
charged at R250,00 pp (peak) & R125,00 pp (off-peak).
SLOW International Benefit
Do you meet
the qualifying
criteria?
Charges
R250,00 pp (50% discount)
R75,00 per child between the ages of
2-18years
R500,00 pp
Terms, conditions and rules apply.
For further details on all your Rewards and Benefits, visit
www.fnb.co.za, fnb.mobi or call 087 575 9404.
Page 15
Fees that have not changed or have decreased are shown in orange.
Monthly Fees
Fee
Description
Gold & Islamic
Gold Cheque
Account
Platinum &
Islamic Platinum
Cheque Account
Account Fee*
R100,00
R135,00
Device Payment**
Device dependant
Device dependant
Subscriptions to
inContact, Online,
Cellphone, Telephone
Banking and the FNB
Banking App
Free
Free
Petrol Card
R13,50
R13,50
*
**
An additional monthly Exchange Control Administration Fee of R13,00 will be levied on Non-Resident Cheque Accounts.
Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable.
Page 16
2. Pay-As-You-Use and Fee Saver
Pricing Options
Transaction Fees
Fee
Description
Card
Purchases**
Card
Unlimited
FNB Prepaid
Purchases***
FNB Cash
Withdrawals
(local)****
Unlimited
(Cash@Till TM)
Electronic
Channels*
Telephone
(Consultant)
Branch/
Cheque
-
-
-
Unlimited
R8,50
-
-
R40,00 +
1.49% of
withdrawal
value
Unlimited Option:
6 Free per month.
Mobile Option:
4 Free per month.
Thereafter R6,30
per R500,00 or
part thereof, max
R25,20
Transfers
-
Unlimited
R34,00
R40,00
Payments
-
Unlimited
R34,00
R40,00
Debit Orders
*
**
***
****
• You are charged for each transaction at the applicable fee.
• All Cellphone Banking and FNB Banking App transactions
are free.
• Free qualifying transactions are included if you are able to keep
a minimum credit balance of R9 000,00 in your account at ALL
times on the Fee Saver Pricing Option.
Fees that have not changed or have decreased are shown in
orange.
Monthly Fees
Unlimited
FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs.
International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases.
Prepaid purchases at other banks’ ATM charged at R7,50.
Other banks’ ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from first withdrawal. Other Transaction Fees Payable on this Pricing Option
•
Withdrawals
• Cash
Maximum
rate for Platinum and IslamicFee
Platinum Cheqeu Acc
FNB Mini ATM
Unlimited
Other Banks’ Mini ATM
R 7,50
International ATM
(Additonal 2.75% Commission and
Conversion fee applies)
R40,00
International Branch
(Additonal 2.75% Commission and
Conversion fee applies)
R40,00 +1.50% of
withdrawal value
Page 17
*
Fee
Description
Gold & Islamic Gold
Cheque Account
Platinum & Islamic
Platinum Cheque
Account
Account Fee*
R30,00
R38,00
Minimum Credit
Balance for rebate
on fees (fee saver
only)
R9 000,00
R9 000,00
Subscriptions
to inContact,
Online,
Cellphone,
Telephone
Banking and
the FNB Banking
App
Free
Free
Petrol Card Fee
R13,50
R13,50
An additional monthly Exchange Control Administration Fee of R13,00 will be levied on Non-Resident Cheque Accounts.
Page 18
Transaction Fees
Fee
Description
Card
Electronic
Channels*
Cellphone
Banking
Branch/
Cheque
Card
Purchases**
Free
-
-
-
FNB Prepaid
Purchases***
-
R1,00^
Free
-
FNB Cash
Withdrawals
(local)****
Fee Saver: If
balance kept, 6
free per month
- thereafter fee
applies
Free
(Cash@Till TM)
R6,30
per
R500,00
or part
thereof,
max R25,20
-
R33,00 # +
1,49% of
withdrawal
value
Transfers
-
R3,30^
Free
R33,00 #
Payments
-
R7,00^
Free
R33,00 #
Internal Debit
Orders
(Payments
to FNB)
External Debit
Orders
*
**
***
****
^
#
Petrol Card Purchases
R4,50
Telephone Banking Prepaid
(consultant assisted)
R8,50 #
Payments and Transfers
Fee
Telephone Banking
(consultant assisted)
R27,50 #
Cash Withdrawals
Fee
FNB Mini ATM
(per R500,00 or part thereof)
R3,00^
Other banks’ Mini ATM
(per R500,00 or part thereof)
R4,50
International ATM
(Additional 2.75% Commission
and Conversion fee applies)
R25,00
International Branch
(Additional 2.75% Commission
and Conversion fee applies)
R25,00 # + 1.50% of
withdrawal value
R3,50^
R15,90^
FNB Online Banking, Telephone Banking (IVR) and FNB ATMs.
International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases.
Prepaid purchases at other banks’ ATM charged at R7,50.
Other banks’ ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from first withdrawal.
Free on Fee Saver if minimum credit balance is kept throughout the month.
Limited to a combination of 3 free on Fee Saver if minimum balance is kept throughout the month.
Page 19
Other Transaction Fees Payable on this Pricing Option
•
Fee Cheqeu Acc
• Purchases
Maximum rate for Platinum and Islamic Platinum
^ Free on Fee Saver is minimum credit balance is kept throughout
the month.
# Limited to a combination of 3 free on Fee Saver if minimum
balance is kept throughout the month.
Other Transaction Fees Payable Irrespective of Pricing
Option Selected
Payments
Fee
Maximum
rate for Platinum and Islamic Platinum Cheqeu
Acc
Bank Cheque
R74,00
Stop Payments
Fee
Online Banking, Cellphone Banking and
FNB Banking App
R5,00
Telephone Banking (consultant assisted)
R15,00
FNB Branch
R35,00
Page 20
Other Transaction Fees Payable Irrespective of Pricing
Option Selected
•
• Scheduled
Maximum rate
for Platinum
andFees
Islamic Platinum
Payment
Related
Fee Cheqeu Acc
Establishment and Amendment Fees
(Online Banking)
Free
Establishment Fee (FNB Branch)
R12,50
Amendment Fee (FNB Branch)
R9,50
Deposits
Cheque Deposits
Fee
FNB ATM
R16,00
FNB Branch
FNB ATM
0.70% of deposit value
(min R5,50)
FNB Branch
1.35% of deposit value
(min R30,00)
•
Fee Cheqeu Acc
• Statements
Maximum rate for Platinum and Islamic Platinum
Posted/Printed Statement
R11,50 (per statement)
Current Month Emailed Statement
Free
First Official Monthly Statement
Collected at an FNB Branch
Free
FNB ATM Mini Statement
(print or view)
R2,80
Emailing of Historical Statements older
than 3 months - Online Banking
R5,50 (per statement)
Emailing of Historical Statements older
than 3 months - Branch and Telephone
Banking
R11,00 (per statement)
Provisional Statement -Branch and
Telephone Banking
R11,00 (per page)
Penalty Fees
Fee
Unpaid Cheques/Debit Orders
(per item)
R60,00 for 1st 3
thereafter R138,00 per
subsequent item within
12 months
Honouring Fee (Charged per item
in excess of your account limit on
accounts with credit agreements
before 1 June 2007)
R 100,00 for 1st 3
thereafter R 135,00 per
subsequent item within
12 months
Incidental Credit Fee (Charged per
month in excess of your account limit,
applies to accounts without credit
facilities or with credit agreements
after 1 June 2007)
R57,00
Reversal of Incorrect
‘Send money to an FNB eWallet’
transaction
R20,00
Cash Deposits
ENC Upliftment Fee and
Special Clearance
R80,00
Deposit of Post-dated Cheque
(per cheque)
R80,00
Balance Enquiries
Fee
FNB Online Banking, Cellphone
Banking, Telephone Banking (IVR),
FNB Banking App and FNB ATMs
Free
Other Banks’ ATM
R3,95
Point-of-Sale
R1,35
Declined Transactions
Fee
International Point-of-Sale
R2,50
FNB ATM
(Insufficient Funds or Limit Exceeded)
Free
Branch and Telephone Banking
(consultant assisted)
R3,95
Other FNB (Point-of-Sale, Scheduled
Payment, EDO) and other banks’ ATM
R7,00
Page 21
Page 22
Other Transaction Fees Payable Irrespective of Pricing
Option Selected
•
• Card
Maximum
rate for Platinum
Replacement
Fees and Islamic Platinum
Fee Cheqeu Acc
Send Money to an FNB eWallet
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01 - R2 000,00
R12,50
FNB Petrol Card
R105,00
Value: R2 000,01 - R3 000,00
R16,50
Visa Cheque Card/Chip & PIN Card
R105,00
Send Money to Zimbabwe
Fee
Credit Related Fees
Fee
Value: R0 - R1 000
R45,00
Value: R1 001 - R1 500
R70,00
R30,00
Additional Statements
(fee per month)
Fee
Online
Paper
Monthly Credit Fee (Revolving Loan)
R40,00
Daily
R44,00
R80,00
Weekly
R20,00
R32,00
Incidental Credit Fee (Revolving Loan)
R57,00
Twice Monthly
R11,00
R16,00
Copies of Vouchers
(Deposit Slips and Cheques)
Fee
Balance Alerts (fee per month)
Fee
Online Banking
Free
Monthly
R0,90
Weekly
R2,95
Daily
R14,80
Electronic Subscription Services
(fee per month)
Fee
My Limit Alert
R2,95
Scheduled Payment Alert
R2,75
Payment Notifications
Fee
Monthly Credit Service Fee
(Charged only if the Overdraft is
utilized in excess of R200)
Branch and Telephone Banking
R20,00 (per side)
Cheque Book Fees
Fee
Pocket 40 Form
R38,50
Duet 25 Form
R42,50
Convenience and Value Added
Service Fees
Fee
Email
R0,68
Roadside Assistance
R5,00
SMS
R1,05
LOTTO TM /Powerball
Purchase
R1,50
Fax
R4,85
Pay & Clear Now
R38,00
Cardless Cash Withdrawal
(Cellphone Banking)
R4,00 + (R6,30 per
R500 or part thereof,
max R25,20)
Page 23
Page 24
imum rate for Platinum and Islamic Platinum Cheqeu Acc
Other Fees
Fee
Card Courier Fee
(free for Platinum Cheque Card holders)
R120,00
Smartphone/Tablet/Laptop Courier
Fee
R150,00
Cheque Book Courier Fee
R150,00
Online Banking Password Reset
(consultant assisted)
R52,50
Online Banking Account Verification
R4,10
Online Banking Payment History
(older than 3 months)
R4,10
One Account
This single facility, secured by your home,
has all the functions of a Cheque Account,
Overdraft, Personal Loan and Home Loan.
It’s convenient and more affordable than
having to manage and pay fees on multiple
accounts.
There are two pricing options available
for this account:
(These are not available for business related use)
For any fee or FNB Personal Cheque Account queries
please call 087 575 9404.
1. Unlimited Pricing Option
Who is this option for?
This option is best for you if you want to know your fees up front and
mainly transact through FNB’s electronic channels.
How does this option work?
For a fixed fee per month, you get unlimited qualifying electronic
transactions, no matter how many you do. You also get 6 free
FNB ATM cash withdrawals per month. Additional FNB ATM cash
withdrawals are charged for. Excluded are branch, cheque and other
banks’ ATM transactions as well as special instructions and penalty fees
which are charged for separately.
2. Mobile Pricing Option
Who is this option for?
This option is best for you if you have taken up the FNB Smartphone,
Tablet or Laptop offer and mainly transact through FNB’s electronic
channels.
How does this option work?
For a fixed fee per month, you get unlimited qualifying electronic
transactions, no matter how many you do. You also get 4 free
FNB ATM cash withdrawals per month. Additional FNB ATM cash
withdrawals are charged for. Excluded are branch, cheque and other
banks’ ATM transactions as well as special instructions and penalty fees
which are charged for separately.
Page 25
Page 26