Encore Cheque Account For Rewards and Benefits you can enjoy on your FNB Encore Cheque Account (designed for customers aged 55 and older), please see Personal Cheque Value Added Benefits and Rewards in the Personal Cheque Account section. You also get: Preferential interest rates on the Savings Pocket linked to your FNB Encore Cheque Account. (No fees are charged on your Savings Pocket and the more you save, the better your interest rate). 50% discount on the FNB Credit Monthly/Annual (including Petro ). FNB Credit Terms and Conditions apply. There are three pricing options available to Encore customers: (These are not available for business related use) 1. Standard Encore Pricing Option Who is this option for? This option is ideal if you are able to maintain a specified credit balance at all times. How does this option work? Cheque Balance Option: you will not pay the monthly account fee if you are able to maintain at least R5 000,00 in your Encore Cheque Account at ALL times. This option includes unlimited qualifying electronic transactions, 6 free FNB ATM cash withdrawals and a combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month. Pocket Savings Option: you will not pay the monthly account fee if you pledge at least R10 000,00 in your Savings Pocket linked to your Encore Cheque Account. This option includes unlimited qualifying electronic transactions, 6 free FNB ATM cash withdrawals and a combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month. Page 46
2. 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 transactions, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately. 3. 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 transactions, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately. Encore Cheque Account Pricing 1. Standard Encore Pricing Option s that have not changed or have decreased are shown in orange. Monthly s Maximum Description rate for Platinum and Islamic Platinum Cheqeu Acc Account R100,00 Minimum Balance for Rebate on account fee Subscriptions to incontact, Online, Cellphone, Telephone Banking and the FNB Banking App Petrol R13,50 Transaction s Description Purchases** FNB Prepaid Purchases*** FNB Cash (local)**** (Cash@Till TM ) Cheque Balance Option: R5 000,00 Savings Pocket Option: R10 000,00 Electronic Channels* 6 free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Telephone (Consultant) R8,50 # Branch/ Cheque R 21,50 + 1.49% of withdrawal value # Transfers R11,50 # R21,50 # Payments R11,50 # R21,50 # Debit Orders * FNB Online Banking, Cellphone Banking, telephone Banking (IVR), FNB Banking App 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. **** ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the first withdrawal. # if transaction is within the combined limit of 3 branch and cheque transactions (excluding all cash and cheque deposits) per month. Page 47 Page 48
Other Transaction s Payable on the Pricing Option Transaction s Description Electronic Channels* Telephone (Consultant) Branch/ Cheque FNB Mini ATM Purchases** Other Banks Mini ATMs (per R500,00 or part thereof) International ATM (Additional 2.75% Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) R4,50 R21,50 R21,50 # + 1.50% of withdrawal value FNB Prepaid Purchases*** FNB Cash (local)**** (Cash@Till TM ) Option: 6 per month. Mobile Option: 4 per month. Thereafter R6.30 per R500,00 or part thereof, max R25,20 R8,50 R 40,00 + 1.49% of withdrawal value Transfers R34,00 Payments R34,00 2. and Mobile Pricing Option Debit Orders s that have not changed or have decreased are shown in orange. Monthly s Maximum Description rate for Platinum and Islamic Platinum Cheqeu Acc Account R90,00 * FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App 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. **** ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the first withdrawal. Other Transaction s Payable on the Pricing Option Device Payment* Device dependant FNB Mini ATM Subscriptions to incontact, Online, Cellphone, Telephone Banking and the FNB Banking App Other Banks Mini ATM R7,50 Petrol R13,50 International ATM (Additional 2.75% Commission and Conversion fee applies) * 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. International Branch (Additional 2.75% Commission and Conversion fee applies) + 1.50% of withdrawal value Page 49 Page 50
s Applicable Irrespective of Pricing Option Selected Maximum Payments rate for Platinum and Islamic Platinum Cheqeu Acc Bank Cheques R74,00 Stop Payments Online R5,00 Telephone (consultant assisted) R15,00 Branch R35,00 Balance Enquiries FNB ATM, Online, Telephone (IVR) & Scheduled Payments PointofSale International PointofSale Other Banks ATM R3,95 Branch and Telephone Banking (consultant assisted) R3,95 Scheduled Payment Related s Statements Establishment and Amendment (Online) Posted/Printed Current Month Emailed Statement R11,50 (per statement) Establishment (Branch) Amendment (Branch) First Official Monthly Statement Collected at an FNB Branch Cellphone Banking Mini Statement Purchases Petrol Cheque Deposits Cheque Deposits Cash Deposits ENC Upliftment and Special Clearance FNB ATM FNB Branch FNB ATM FNB Branch R16,00 0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00) R80,00 FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months Online Banking Emailing of Historical Statements older than 3 months Branch and Telephone Banking Provisional Statement Branch and Telephone Banking Penalty s Unpaid Cheque / Debit Order (per item) R2,80 R5,50 (per statement) R11,00 (per statement) R11,00 (per page) R60,00 for 1 st 3 thereafter R138,00 per subsequent item within 12 months Deposit of PostDated Cheque (per cheque) R80,00 Honouring (Charged per item in excess of your account limit on accounts with credit agreements before 1 June 2007) R100,00 for 1 st 3 thereafter R135,00 per subsequent item within 12 months Incidental Credit (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 Page 51 Page 52
Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Penalty s Maximum Convenience rate for and Platinum Value and Islamic Platinum Cheqeu Acc Added Services Reversal of incorrect Send money to an FNB ewallet transaction Declined Transactions R20,00 Roadside Assistance LOT TO / PowerBall less Cash Withdrawal R5,00 R1,50 R4,00 + (R6,30 per R500 or part thereof, max R25,20) FNB ATM Declined (Insufficient Funds or Limit Exceeded) Pay & Clear Now R38,00 Send Money to an ewallet Other (PointofSale, Scheduled Payment, EDO) and other banks ATM R7,00 Value: R20 R1 000 R8,50 Replacement s Value: R1 001 R2 000 R12,50 Electron R75,00 Petrol R105,00 Value: R2 001 R3 000 Send Money to Zimbabwe R16,50 Cheque / Chip & PIN R105,00 Credit Related s Monthly Credit Service R30,00 Monthly Credit (Revolving Credit Plan (RCP)) Incidental Credit (Revolving Credit Plan (RCP)) R57,00 Value: R100 R1 000 R45,00 Value: R1 001 R2 000 Value: R2 001 R3 000 Additional Statements (fee per month) R70,00 R105,00 Online Paper Daily R44,00 R80,00 Weekly R20,00 R32,00 Cheque Books and Vouchers Cheque Book s Twice Monthly R11,00 R16,00 Electronic Subscriptions Services (fee per month) 40 Form R38,50 My Limit Alert R2,95 25 Form Vouchers Online Branch and Telephone Banking (consultant assisted) R42,50 R20,00 (per side) Scheduled Payment Alert R2,75 Page 53 Page 54
Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Convenience and Value Added Services Balance Alert (fee per month) Monthly R0,90 Weekly R 2,95 Daily R14,80 Payment Notifications Email R0,68 SMS R1,05 Fax R4,85 Other s Courier R120,00 Device Courier Cheque Book Courier R150,00 R150,00 Online Banking Password Reset (Telephone consultant assisted) R52,50 Online Banking Account Verification (FNB Accounts and Other Banks Accounts) R4,10 Viewing of Payment History (older than 3 months) R4,10 For any fee or FNB Encore Cheque Account queries please call 087 575 9404. Page 55