Product		FNB Smart Cheque Account		FNB Smart Cheque Account		FNB Smart Cheque Account		FNB Smart Cheque Account
	Pricing_Option		Unlimited Option		Pay As you use		Fee Saver		Fee Manager 10 Transactions
	User Ratings
	Overall
	Service
	Percentage users recommend product		77% recommend		77% recommend		77% recommend		77% recommend
	No of Reviews		From 417 Reviews		From 417 Reviews		From 417 Reviews		From 417 Reviews
	Criteria
	Min Salary		R24000		R24000		R24000		R24000
	Min Balance						R9000
	Product Status Level		Entry		Entry		Entry		Entry
	Product Features
	Branch Banking
	Telephone Banking
	Cellphone Banking
	Internet Banking
	Reward Programme
	Reward Programme Name		Ebucks		Ebucks		Ebucks		Ebucks
	Rewards Earn Details		On Cheque Card: 2 Ebucks per R100 spend upto R5000. On Debit Card 2 Ebucks per R100 spend. Maintain balance of R1200		On Cheque Card: 2 Ebucks per R100 spend upto R5000. On Debit Card 2 Ebucks per R100 spend. Maintain balance of R1200		On Cheque Card: 2 Ebucks per R100 spend upto R5000. On Debit Card 2 Ebucks per R100 spend. Maintain balance of R1200		On Cheque Card: 2 Ebucks per R100 spend upto R5000. On Debit Card 2 Ebucks per R100 spend. Maintain balance of R1200
	Introductory Offer
	Overdraft Facility
	One Account
	Product Bundling
	Switching Facility
	Cheque Book
	Cheque Book Details		No Bank Guarentee		No Bank Guarentee		No Bank Guarentee		No Bank Guarentee
	Petrol Card
	Secondary Card
	Cheque Card
	Debit Card
	Other Product Features		R1000 Funeral Plan		R1000 Funeral Plan		R1000 Funeral Plan		R1000 Funeral Plan
	Subscription Fees
	Membership Fees Comments		Unlimited electronic transactions				No service fees are charged on the first 35 transactions, except for cash deposits, mini statements and Saswitch transactions (when you use non-FNB ATMs), balance enquiries in a branch, as well as cash handling fees, special instructions and penalty fees.		Transactions included are cheques, debit orders, linked account transfers, account payments, FNB ATM cash withdrawals, branch cash withdrawals and cheque and debit card usage, prepaid purchases as well as the monthly account fee.
	Basic Membership Fee		R69.00 per month		R20.75 per month		Free		R75.00 per month
	Reward Programme Fee		Free		Free		Free		Free
	Internet Banking Fee		Free		Free		Free		Free
	Cheque Card Fee		Not applicable		Not applicable		Not applicable		Not applicable
	Debit Card Fee		Free		Free		Free		Free
	Petrol Card Fee		Not applicable		Not applicable		Not applicable		Not applicable
	Secondary Card Fee		Free		Free		Free		Free
	Overdraft Fee		FNB will charge a fee of R25.50 to new personal overdrafts established post 1 June only, in terms of the National Credit Act		FNB will charge a fee of R25.50 to new personal overdrafts established post 1 June only, in terms of the National Credit Act		FNB will charge a fee of R14 to new personal overdrafts established post 1 June only, in terms of the National Credit Act		FNB will charge a fee of R14 to new personal overdrafts established post 1 June only, in terms of the National Credit Act
	Management Fees
	Cheque Book Fee		Free		Free		Free		Free
	Card Replacement Fee		R85.00		R85.00		R55.00		R55.00
	Card Delivery Fee		R100.00		R100.00		R100.00		R100.00
	Credit Interest
	Credit Interest		0.00% Flat		0.00% Flat		0.00% Flat		0.00% Flat
	Credit Interest Comments
	Debit Interest
	Debit Interest		14.0% Flat		14.0% Flat		14.0% Flat		14.0% Flat
	Debit Interest Comments		Varies from prime up (expect Prime + 4%)		Varies from prime up (expect Prime + 4%)		Varies from prime up (expect Prime + 4%)		Varies from prime up (expect Prime + 4%)
	Penalty Fees
	Return Payment Fee		R105.00		R105.00		R105.00		R105.00
	Unpaid Insufficient Funds Fee		R80.00		R80.00		R80.00		R80.00
	ATM Decline Fee		R0.00		R0.00		R0.00		R0.00
	Saswitch Decline Fee		R5.50		R5.50		R5.50		R5.50
	Enquiry Fees
	ATM Account Enquiry Fee		Free		Free		Free		Free
	Branch Account Enquiry Fee		R3.30 Per transaction		R3.30 Per transaction		R3.30 Per transaction		R3.30 Per transaction
	ATM Statement Enquiry Fee		R2.50 Per transaction		R2.50 Per transaction		R2.50 Per transaction		R2.50 Per transaction
	Branch Statement Enquiry Fee		Free		Free		Free		Free
	Transaction Fees
	Fuel Transaction Fee		Not applicable		Not applicable		Not applicable		Not applicable
	Prepaid Airtime Transaction Fee		Free		Free		*R0.00 Per transaction		*R0.00 Per transaction
	Branch Transfer Fee		R32 Flat Fee		R25.50 Flat Fee		*R25.50 Flat Fee		R25.50 Flat Fee
	Electronic Transfer Fee		Free		R3.30 Flat Fee		*R3.30 Flat Fee		*R3.30 Flat Fee
	Electronic Payment Fee		Free		R7.20 Flat Fee		*R7.20 Flat Fee		*R7.20 Flat Fee
	Branch Payment Fee		R32 Flat Fee		R25.50 Flat Fee		*R25.50 Flat Fee		R25.50 Flat Fee
	ATM Deposit Fee		Free		Free		Free		Free
	Branch Deposit Fee		1.15% of Value min R17.75		1.15% of Value min R17.75		1.15% of Value min R17.75		1.15% of Value min R17.75
	Cheque Deposit Fee		Free		Free		*Free		*Free
	Own ATM Withdrawal Fee		Free		R5.50 per R500 or part thereof up with max R22		R5.50 per R500 or part thereof up with max R22 5 Free per month		*R5.50 per R500 or part thereof up with max R22
	Other ATM Withdrawal Fee		R32 Flat Fee		R6 PLUS R5.50 per R500 or part thereof up with max R22		R6 PLUS R5.50 per R500 or part thereof up with max R22		R6 PLUS R5.50 per R500 or part thereof up with max R22
	Branch Withdrawal Fee		R32 PLUS 1.15% of Value with max of R3000		R25.50 PLUS 1.15% of transaction up to a maximum of R3000		R25.50 PLUS 1.15% of transaction up to a maximum of R3000 5 Free per month		R25.50 PLUS 1.15% of transaction up to a maximum of R3000
	International Withdrawal Fee		R32 Flat Fee		R21 Flat Fee		R21 Flat Fee		R21 Flat Fee
	Cheque Service Fee		R32 Flat Fee		R25.50 Flat Fee		R25.50 Flat Fee		R25.50 Flat Fee
	Stop Order Internal Fee		Free		R7.20 Flat Fee		*R7.20 Flat Fee		R7.20 Flat Fee
	Stop Order External Fee		Free		R7.20 Flat Fee		*R7.20 Flat Fee		R7.20 Flat Fee
	Debit Order Internal Fee		Free		R3.30 Flat Fee		*R3.30 Flat Fee		*R3.30 Flat Fee
	Debit Order External Fee		Free		R13.25 Flat fee		*R13.25 Flat fee		*R13.25 Flat fee
	Point of Sale Withdrawal Fee		Free		R0.9 Flat Fee		*R0.9 Flat Fee		*R0.9 Flat Fee
	Point of Sale Deposit Fee		N/A		N/A		N/A		N/A
	Point of Sale Purchase Fee		Free		R2.75 Flat Fee		*R2.75 Flat Fee		*R2.75 Flat Fee
	In Package Fees
	Calculating Transactions in Package		All transactions billed on a pay-as-you-transact basis.		All transactions billed on a pay-as-you-transact basis.		There are 35 free transaction in the package. All transactions above marked "*" are included. Once limit is reached transactions are billed on a pay-as-you-transact basis.		There are 10 free transaction in the package. All transactions above marked "*" are included. Once limit is reached transactions are billed at a cost of R10 per transaction.