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You need to be over 55 and earn above R23 999 p.a
Encore Cheque Account
Encore Gold Cheque: Comprehensive Pricing Option (Available from 1 July 2015)
As you mature into the next stage of life, FNB is mindful of the change in your needs and your lifestyle. The Encore portfolio offers you an array of banking, savings and short-term products and services for customers aged 55+
Bank:
- FREE subscription to FNB Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You only pay for the data you use
- FREE subscription to inContact. This means we'll SMS you every time more than R 100 goes out of - or into - your account
- Unlimited FREE electronic prepaid purchases
- Unlimited FREE swipes when you use your Encore Card to pay
- Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees
- FREE emailed monthly statements
- 1 FREE Deposit per month at an FNB ATM Advance
Fee Rebate:
As an Encore Gold client, the Comprehensive Pricing Option allows you to bank for FREE. If you maintain a minimum balance of R10 000 in your Encore Gold Cheque Account, you will not pay a monthly account fee and you will receive the following:
- A combination of 5 FREE Branch/Cheque and Telephone Banking transactions (Excludes Cash/Cheque Deposits)
- 4 FREE FNB ATM Cash withdrawals
Save:
- A FREE Linked Savings Account that earns you preferential interest rates exclusive to Encore customers
- The option to Bank Your Change when we round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Account. So, you save while you spend
Borrow:
- A Temporary Loan is a pre-approved, short-term credit offering, for which there is no need to fill in any forms
- Revolving Loan that lets you re-access your funds once you've paid 15% of your original loan amount
- Overdraft access that is FREE of initiation fees. You only pay for it when you use it
Live:
- Delivery of your Encore Personal Cheque Card to your home or office
- Possible qualification for a new smartphone, tablet or laptop at discounted prices - over a 24-month period with 0% interest
- The drafting and registering of your Trust Deed/Will
- FREE subscription to eBucks Rewards*
- The ability to earn eBucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime electronically through FNB or when you send or receive foreign currency through FNB Forex
- Earn up to 0.75% back in eBucks when you swipe your Cheque Card when shopping and up to 1.5% back when you shop online or internationally
- Earn up to 15% back in eBucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Encore Gold Cheque Card
- The freedom to spend your eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion - you name it
- Get up to 40% discount on selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel**. This means that the more eBucks you earn, the more you save when you spend your eBucks - while getting a discount on your purchase at the same time. Sounds like a no-brainer to us!
*For more on eBucks rewards, go to www.ebucks.com
**Discounts exclude all taxes.
Please note: Encore accounts opened prior to 1 July 2015
- You will remain on your current product and pricing option
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Your Monthly Fee will be rebated if you maintain the following minimum balances on the Standard Pricing Option:
- Cheque Balance Option: R 5 000.00
- Savings Pocket Option: R 10 000.00
- No credit interest will be paid on balances in your Encore Gold Cheque Account from 1 July 2015
- Preferential Interest will still be paid on balances in your Linked Savings Account (Pocket)
- You may, at any time, take up the Encore Gold - Comprehensive Pricing Option by visiting your nearest branch or calling 087 575 9404
Cheque Accounts
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