Introduction
Business Product Offering
Business Investment Accounts
Business SuperSave Account
Cellphone Banking for Businesses
FNB Online Banking
International Banking
(Foreign Exchange and Trade)
Business Credit Card
Important Information
 

Business Investment Accounts

At First National Bank we understand the passion, dedication and hard work you put into making your business a success.

That is why we offer you a range of solutions to invest in your company's future with one of our investment solutions. Grow capital for your business by investing today for tomorrow.

Short Term Investment Accounts

FNB offers the following flexible investment accounts with competitive interest rates:

Business Money Market Transactor
This account offers you transactional capability with the added benefit of earning interest on your daily balances.

Business Money Market Investor
This investment option is suited to businesses and other organisations that have R10 000 or more to invest and want easy access to some or all of their funds.

Business Call Account
The Call Account is a savings account that allows you to deposit extra funds and gives you quick access to the funds at any time.

Long Term Investment Accounts

FNB offers the following fixed investment accounts with competitive interest rates:

Notice Deposit Accounts
This is suited to businesses who want to invest an amount, which will not have to be accessed immediately. Interest rates are favourable, however, you do need to provide specific notice before any money can be withdrawn.

Fixed Deposits
This is suited to businesses that want to invest a fixed amount of money for a set period at a fixed interest rate. The longer the investment period, the better the interest rate will be.

Flexi Fixed Deposits
The Flexi Fixed account is a fixed deposit account which offers you the benefits of a fixed investment term but with the flexibility of depositing into the account at any time.

Monthly Account Fee
Business Money Market
Transactional Account
Business Money Market Transactor
(Includes: FNB Business Card Fee, FNB Business Petrol Card Fee, Lost Card Protection)
R 40.00

Purchases
Fee
Prepaid Purchases  
FNB Electronic Channels only
R 1.00
At other Bank's ATM
R 6.00
Telephone Banking for business (consultant assisted)
R 8.00
Card Purchases  
FNB Business (local and international)
R 2.75
FNB Business Petrol Card Purchases
R 3.90
Inter Account Transfers  
Electronic Transfers (FNB ATM, Online Banking, Scheduled Transfers, Telephone Banking [IVR and speech] and Cellphone Banking for Businesses)
R 3.40
Consultant Assisted Transfers (Branch and Telephone Banking)
R 35.00
Payments  
Electronic Third Party Payments (FNB ATM, Online Banking, Scheduled Payments, Telephone Banking [IVR] and Cellphone Banking for Businesses)
R 11.00
Internal Debit Orders (Debit Order raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover)
R 3.40
External Debit Orders
R 17.50
Cheque Payments
R 40.00
Consultant Assisted Third Party Payments
(Branch and Telephone Banking)
  Money Market Transactor
R 35.00
  Business Call Account
R 27.50
Issue of Bank Cheques (Per cheque)
R 60.00
Scheduled Payments
Scheduled Payment Establishment / Amendment Fees (Online Banking)
Free
Scheduled Payment Establishment Fees (FNB Branch)
R 11.20
Scheduled Payment Amendment Fees ( FNB Branch)
R 8.20
Stop Payment Instructions  
Online Banking
R 10.00
Branch
R 55.00
Beneficiary Notification for Payments  
Email
R 0.65
SMS
R 1.00
Fax
R 4.60

Cash Withdrawals
Fee
CashBack at Point-of-Sale (electron Debit Card only) – withdrawal limits may apply
R 0.90
FNB Mini ATM – withdrawal limits may apply
R 1.50 + R 0.45 per R 100 or part thereof
Other Bank's Mini ATM – withdrawal limits may apply
R 2.00 + R 0.70 per R 100 or part thereof
FNB ATM
R 3.00 + R 1.15 per R 100 or part thereof
Other Bank's ATM
R 9.50 + R 1.15 per R 100 or part thereof
FNB Branch
R 28.50 + R1.25 per R 100 or part thereof
International ATM
R 22.00
International Branch Cash
R 22.00 + R 1.50 per R 100 or part thereof
Deposits Fee
Cheque Deposit at FNB ATM with Envelope or Automated Deposit (ADT)
Free
Cheque Deposit at Branch (per deposit)
R 14.00
Special Clearance (per cheque)
R 70.00
Cash Deposit: *
FNB ATM with Automated Deposit (ADT)
R 3.50 + R 0.65 per R 100 or part thereof
FNB Branch and FNB ATM with Envelope Deposits
R 7.50 + R 1.22 per R 100 or part thereof

*   FNB Commercial reserves the right to review cash deposit fees at any time during the period covered by this guide.

Subscription Fees (Per Month)
Fee
Online Banking
Free
Telephone Banking for business
Free
Cellphone Banking for Businesses
Free
inContact-PRO
Free
Schedule Payment Alert Fee (Fee per month)
R 2.75
My Limit Alert (Fee per month)
R 2.95
Cheque Books  
40 Form
R 31.50
100 Form - Carbonised
R 77.00
200 Form
R 100.00
Balance Enquiries
FNB ATM
Free
Telephone Banking (IVR & Speech Banking)
Free
Cellphone Banking for Businesses - single account enquiry
R 0.50
Cellphone Banking for Businesses - all account enquiries
R 1.25
Point of Sale (Business Visa Electron Debit Cards only)
R 1.25
Branch and Telephone Banking (consultant assisted)
R 3.50
International / Other Bank's ATM
R 3.70
International Point of Sale Balance Enquiries
R 2.50
Statements  
Posted/Printed Monthly Statement
R 9.50
Current month emailed statement (Plus optional Workable Data Files)
Free
First official monthly statement collected at an FNB Branch
Free
Mini Statement (FNB ATM)
R 2.60
eMailing of historical statements (older than 2 months) - Online Banking
R 5.50 per statement
eMailing of historical statements (older than 2 months) - Branch & Telephone Banking
R 7.50 per statement
Provisional Statement (Branch and Telephone Banking) per page
R 7.50
Additional Statements (Fee per month)
Paper
Online
Daily
R 70.00
R 40.00
Weekly
R 28.00
R 18.00
Twice – Monthly
R 14.00
R 10.00
Other Fees  
Special Clearance (per cheque deposit)
R 70.00
Inward Unpaid Fee
R 70.00
ENC Upliftment Fee
R 70.00
Credit Related fees  
Monthly Credit Service Fee
R 57.00
Monthly Incidental Credit Fee
R 57.00
Penalty Fees  
Unpaid cheques and/or debit orders (charge per item) increasing to R140.00 per item for the 4th & subsequent items within 12 months
R 115.00
Honouring Fee (charge per item paid in excess of credit limit) increasing to R115.00 per item for the 4th & subsequent items within 12 months
R 90.00
Deposit of post-dated cheque (per cheque)
R 70.00
Declined Transactions
FNB ATM
Free
Other Bank's ATM
R 6.00
Other FNB (Point-of-Sale, Scheduled Payment, AEDO, NAEDO)
R 6.00
Card Replacement Fee
Visa Electron Debit Card
R 60.00
FNB Petrol Card
R 90.00
Visa Cheque Card/ Chip-and-Pin Card
R 90.00

Product
Business Money Market
Investor
Business Call Account
Monthly Account Fee
Free
Min Balance R10 000
Free
Min Balance R1 000
Inter Account Transfers    
Electronic Transfers (FNB ATM, Online Banking, Scheduled Transfers,
Telephone Banking [IVR] and Cellphone Banking for Businesses)
R 3.40
Free
Consultant Assisted Transfers (Branch and Telephone Banking)
R 35.00
R 27.50
Payments    
Electronic Payments (FNB ATM, Online Banking, Scheduled Transfers, Telephone Banking [IVR] and Cellphone Banking for Businesses)
Not Available
R 11.00
Consultant Assisted Payments (Branch and Telephone Banking)
Not Available
R 27.50
Cash Withdrawals
FNB Branch
R 28.50 + R 1.25 per R 100
or part thereof
R 1.25 per R 100
or part thereof
Deposits
FNB Branch and FNB ATM with Envelope Deposit
R 7.50 + R 1.22 per R 100
or part thereof
R 7.50 + R 1.22 per R 100
or part thereof
Cash Deposit at ADT (Automated Deposit Terminal)
R 3.50 + R 0.65 per R 100
or part thereof
R 3.50 + R 0.65 per R 100
or part thereof
Cheques at FNB Branch
R 14.00
R 14.00
Cheques at ADT (Automated Deposit Terminal)
Free
Free
ENC Upliftment and Special Clearance (per Cheque Deposited)
R 70.00
R 70.00
Subscriptions
Online Banking
Free
Free
Telephone Banking for business
Free
Free
Cellphone Banking for Businesses
Free
Free
inContact-Pro Subscription
Free
Free
Balance Enquiries
FNB ATM
Free
Free
Telephone Banking (IVR)
Free
Free
Branch and Telephone Banking (consultant assisted)
Free
Free
Other Bank's ATM
R 3.70
Not Available
Statements
Monthly Statement (collected at branch)
Free
Not Available
Emailing of current month statement
(plus optional Workable Data Files)
Free
Free
Mini Statements (FNB ATM and Cellphone Banking for Businesses)
Not Available
Free
Emailing of Historical Statements (Older than 2 months) – per statement
R 5.50 per Statement
Not Available
Transaction History / Detailed Balance Enquiry – Online Banking
Free
Free
Provisional Statement (Branch & Telephone Banking) – per page
Free
Free
Other Fees
Inward Unpaid Fee
R 70.00
R 70.00
Deposit of post dated cheques (per cheque)
R 70.00
R 70.00
Early Redemption
Not Available
Not Available

Product
7 Day Interest Plus 32 Day Interest Plus Fixed Deposit Account
Monthly Account Fee
Free
Opening Balance: R50 000
Free
Opening Balance: R100
Free
Min Balance: R10 000
Inter Account Transfers      
Electronic Payment (FNB ATM, Online Banking, Scheduled Transfers,
Telephone Banking [IVR] and Cellphone Banking for Businesses)
Free
Free
Free
Consultant Assisted Transfers (Branch and Telephone Banking)
Free
Free
Free
Payments      
Electronic Transfers (FNB ATM, Online Banking, Scheduled Transfers, Telephone Banking [IVR] and Cellphone Banking for Businesses)
Not Available
Not Available
Not Available
Consultant Assisted Payments (Branch and Telephone Banking)
Not Available
Not Available
Not Available
Cash Withdrawals
FNB Branch
Not Available
Not Available
Not Available
Deposits
FNB Branch and FNB ATM with Envelope Deposit
Not Available
Free
Free
Cash Deposit at ADT (Automated Deposit Terminal)
Not Available
Free
Free
Cheques at FNB Branch
Not Available
Free
Free
Cheques at ADT (Automated Deposit Terminal)
Not Available
Free
Free
ENC Upliftment and Special Clearance (per Cheque Deposited)
Not Available
Not Available
Not Available
Subscriptions
Online Banking
Free
Free
Free
Telephone Banking for business
Free
Free
Free
Cellphone Banking for Businesses
Free
Free
Free
inContact-Pro Subscription
Free
Free
Free
Balance Enquiries
FNB ATM
Free
Free
Free
Telephone Banking (IVR)
Free
Free
Free
Branch and Telephone Banking (consultant assisted)
Free
Free
Free
Other Bank's ATM
Not Available
Not Available
Not Available
Statements
Monthly Statement (collected at branch)
Not Available
Not Available
Not Available
Emailing of current month statement
(plus optional Workable Data Files)
Free
Free
Free
Mini Statements (FNB ATM and Cellphone Banking for Businesses)
Not Available
Not Available
Not Available
Emailing of Historical Statements (Older than 2 months) – per statement
Not Available
Not Available
Not Available
Transaction History / Detailed Balance Enquiry – Online Banking
Free
Free
Free
Provisional Statement (Branch & Telephone Banking) – per page
Free
Free
Free
Other Fees
Inward Unpaid Fee
Not applicable
Not applicable
Not applicable
Deposit of post dated cheques (per cheque)
Not applicable
Not applicable
Not applicable
Early Redemption
Not applicable
As per terms and conditions
As per terms and conditions