The Graduate Programme Experience



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Product Info

You need to earn R120 000 - R349 999 p.a

Gold Cheque Account

You get...


  • Free Debit Order, beneficiary & Salary Switching

    Debit Order and Salary Switching

    Switch your salary, beneficiaries and debit orders free of charge

    Our dedicated team does all the work for you and keeps you informed of the progress along the way!

    Download the switching form.


    Switch your debit orders

    1. Using the switching form, tell us which debit orders need to be switched

    3. Attach:
      • A certified copy of your ID
      • A copy of your non-FNB bank statement
      • A copy of your new FNB account number

    Switch your salary

    1. Complete the Switch my Salary section of the switching form

    3. FNB will contact your employer and instruct them to switch your salary to your FNB account


    Contact 0860 102 970 or email

    Terms, Conditions and Rules apply.

  • Savings Pocket

    Linked Savings Account (Savings Pocket)

    Put money away and earn interest on money saved.

    Save easily and conveniently with no added fees

    A Savings Pocket is linked to your account to keep your savings separate from your transactional account.

    Earn competitive interest on a positive balance in your linked Savings Pocket.

    Save easily and conveniently with no added fees.


    To activate the Savings Pocket on your account call 0860 32 78 27

    Terms, Conditions and Rules apply.

  • R1000 funeral cover

    R1 000 Funeral Cover

    FNB understands the importance of life planning.

    We therefore offer you R1 000 funeral cover so that you have peace of mind that your family will have the financial means to cater for unforeseen expenses in the event of your untimely death.

    Terms, Conditions and Rules apply.

  • Free subscription to Online Banking

    Online Banking

    Bank anywhere, anytime, at your convenience

    Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest, using easy online navigation, all from the comfort of your couch.

    Banking online is convenient as you can do most things that you can do in a branch.

    Banking online is secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.

    Banking online is simple. All you need is an FNB bank account and access to the Internet.

    View our How to register for Online Banking demo

    With Online Banking you can

    • Check balances on your accounts
    • Get email statements
    • Pay traffic fines
    • Make payments to third parties
    • Set up recipients
    • Pay public recipients
    • Make once-off payments
    • Set up scheduled payments
    • Send money to an eWallet
    • Do eFiling
    • View payment history
    • Validate recipients
    • Transfer money between your accounts
    • Transfer funds to your budget facility (credit card only)
    • Buy pre-paid airtime
    • Buy Vodacom data bundles (SMS vouchers and Big Bonus vouchers)
    • Buy prepaid electricity (Eskom and selected municipalities)
    • Buy Globel international airtime
    • Buy LOTTO TM tickets
    • Buy PowerBall tickets
    • Shop online using eBucks
    • Request proof of payment
    • View your eBucks rewards
    • View Annual Price Review letters

      • Trade shares online (share trading only)
      • Buy Krugerrands
      • Sell Krugerrands
      • Change your PIN
      • Update ATM Limits
      • View Card PINs
      • Create Card PINs
      • View, change or cancel cards
      • Order additional cards
      • Request notice to withdraw on investment accounts (investment only)
      • Top up and withdraw funds from your PayPal account
      • Check Forex rates
      • Receive money from abroad
      • Send money abroad
      • Open an overdraft and increase limits
      • Buy foreign currency
      • Create secondary users
      • Contact My Banker
      • Join FNB Connect
      • Open accounts
      • Set up Balance Alerts
      • Set up Limit Alerts
      • View and update personal details
      • Order a new card when it is about to expire
      • Secure your Online Banking with Webroot
      • Adjust your ATM withdrawal limits

    Terms, Conditions and Rules apply.

  • Free subscription to FNB Banking App

    The FNB Banking APP

    Unparalleled simplicity and convenience

    As a registered Online Banking user, you can access the FNB Banking App

    Download the free app for Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

    Using the Free FNB Banking App you can

    • Make and receive Geo Payments
    • Set up Stop Payments
    • Make payments and transfer funds
    • View transfer and payment history
    • Send money
    • Contact your Relationship Banker
    • View accounts and detailed balances
    • Locate FNB branches or ATMs
    • Access an FNB directory
    • Make and receive calls
    • Send and receive messages
    • Buy prepaid products
    • Top up your FNB Connect accounts
    • Purchase FNB Connect ADSL bundles
    • View foreign exchange rates

    For queries please email:
    To find out how to link your device call: 087 575 0362

    View the software license agreement and remote banking agreement

    *Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

    Terms, Conditions and Rules apply.

  • Free subscription to Cellphone Banking

    Cellphone Banking

    Banking at the touch of a button

    Access your money anytime, anywhere using your cellphone.

    Even without your ATM card you can now do your banking via Cellphone Banking.

    As a customer you enjoy the following benefits

    • Check your balances, transfer money between your own accounts, make payments to individuals, pay monthly accounts, and even pay traffic fines
    • Withdraw cash from your FNB accounts, without the use of an ATM card
    • Buy prepaid airtime, electricity and LOTTO™
    • Free registration and subscription
    • Free inContact with every transaction (above R100)

    To register for Cellphone Banking, dial *120*321#, visit,, an FNB ATM, any FNB branch or contact our call centre on 087 575 9405 for assistance.


    Please refer to our Pricing Guide for fees on specific accounts.

    Terms, Conditions and Rules apply.

  • Free subscription to Telephone Banking

    Telephone Banking

    It's your bank on call

    As an FNB transactional account holder, you can enjoy flexible banking at your own convenience

    Speak to a telephone banking consultant or transact via the interactive voice response (IVR) line, whenever, wherever via a single access number.

    Enjoy the following benefits with telephone banking:

    • Create payment notifications to send to your recipients
    • Schedule payments to be made on a specified date
    • Buy prepaid airtime (Vodacom, MTN, Cell C and Virgin Mobile)
    • Buy Telkom airtime (local and WorldCall)

    To register - simply call 087 575 9404.


    Please refer to our Pricing Guide for fees on specific accounts.

    Terms, Conditions and Rules apply.

  • inContact


    FNB's FREE notification messaging service

    Keep track of money moving into and out of your account.

    This innovative messaging service enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

    You get to select which accounts are linked to inContact.

    Register for inContact via Online Banking or call 087 575 9404.

    Terms, Conditions and Rules apply.

  • Earn eBucks

    Your FNB Credit Card and eBucks Rewards

    Your FNB Credit Card and eBucks Rewards.

    Seeing Double?

    You could earn DOUBLE the eBucks when making purchases using your FNB Credit Card as opposed to using your FNB Cheque Card. AND what's more is that every swipe is free. Happy swiping.

    What's more, if you hold matching products (e.g. Gold Cheque Account and Gold Credit Card) your linkage to rewards will be FREE.

    In addition to your credit card swipes you can also earn:

    • Double eBucks for shopping online
    • Double eBucks for international shopping
    • Up to 15% back in eBucks when you fill up with fuel at any fuel station or when using Uber domestically
    • Up to 15% back in eBucks when you purchase prepaid electricity or airtime through FNB
    • Up to 15% back in eBucks when you shop at Checkers & Shoprite
    • Earn up to 50% back on FOREX Online Payment Fees
    • Earn up to 100% back on FOREX Standing instruction fees

    You can then spend your eBucks on just about anything at the various eBucks in-store and online partners. For more details visit the eBucks website

    Qualify to get up to 40% off everything in the eBucks Shop and on selected local and international flights through eBucks Travel.

    How to start earning:

    1. Link your credit card to earn eBucks (a Credit Card Monthly Rewards Fee may be charged*)
    2. Meet the qualifying criteria (visit to see qualifying criteria)
    3. Collect points by simply swiping your FNB Credit Card
    4. Get rewarded

    Remember, in order to maximise your eBucks earn, you need to hold matching FNB Cheque and Credit Cards (e.g. FNB Platinum Cheque Account and Platinum Credit Card).

    *To link your credit card to eBucks call us on 087 320 3200 or visit A Credit Card Monthly Rewards Fee of R16.50 may be charged in order to link your FNB Credit Card to earn eBucks. FNB Classic, Platinum Bundled, Private Clients and Private Wealth customers will not be charged the Credit Card Monthly Rewards Fee. Terms, Conditions and Rules apply.

    Terms, Conditions and Rules apply.

  • Free ADSL and 3G data from FNB Connect

    FNB Connect

    Cheap rates, free calls and reduced data bundles

    FNB Connect ADSL data

    Reward level FNB Connect ADSL data
    Reward level: 5 FNB Connect ADSL data: Get free* monthly uncapped ADSL data
    (Maximum reward for Platinum & Islamic Platinum Cheque Accounts)
    Reward level: 4 FNB Connect ADSL data: Get a 80% discount on monthly uncapped ADSL data
    (Maximum reward for Gold, Islamic Gold and Encore Cheque Accounts)
    Reward level: 3 FNB Connect ADSL data: Get a 40% discount on monthly uncapped ADSL data
    Reward level: 2 FNB Connect ADSL data: Get a 20% discount on monthly uncapped ADSL data
    Reward level: 1 FNB Connect ADSL data: Get a 10% discount on monthly uncapped ADSL data

    * Terms and conditions apply,the maximum uncapped ADSL discount that applies is R399.00 .

    For more information on uncapped ADSL data from FNB Connect, visit or log-in to FNB Online Banking and select the FNB Connect tab.

    3G Data

    Reward level 3G data (Exclusive to active FNB Smart Device Contract holders)
    Reward level: 5 3G data (Exclusive to active FNB Smart Device Contract holders): 500MB
    (Maximum reward for Platinum and Platinum Islamic Cheque Accounts)
    Reward level: 4 3G data (Exclusive to active FNB Smart Device Contract holders): 400MB
    (Maximum reward for Gold, Islamic and Encore Cheque Accounts)
    Reward level: 3 3G Data (Exclusive to active FNB Smart Device Contract holders): 300MB
    Reward Level: 2 3G data (Exclusive to active FNB Smart Device Contract holders): 200MB
    Reward level: 1 3G data (Exclusive to active FNB Smart Device Contract holders): 100MB

    To get rewarded with 3G data, you must be an active FNB tablet, smartphone or laptop contract holders. For more information, please see the Smartphone / Tablet Offer page .

    To access FNB Connect, login to Online Banking or call 087 575 0001.

    Terms, Conditions and Rules apply.

  • Email statements

    Email Statements

    Get your statements emailed for free promptly, consistently and securely every month.

    With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has also installed security measures to protect your information.

    You could save R138 per year with email statements.

    This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

    1. Once logged in, select My Bank Accounts, then Menu and then Email Statements under Statements.
    2. Select the appropriate account/s of which you require the statements to be delivered to you via email.
    3. Enter the primary email address to which you'd like the statements to be sent .
    4. Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent).

    What email statements offer me:

    • Easy to store - you can keep the email statements safely on your PC until they are required.
    • Easy to file - it is easier to file an electronic statement than a paper statement.
    • More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.
  • Bank your Change

    Bank Your Change

    Grow your balance in your linked Savings Pocket

    Automatically save your 'left over' cents when you swipe your FNB cheque or debit card.

    Round the purchase amount up to the nearest rand, and have this transferred to your linked Savings Pocket, free of charge.

    You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Savings Pocket.

    To start saving now call 0860 327 827.

    Terms, Conditions and Rules apply.

  • Cash@Till

    Cash @ Till

    Draw cash directly from a tillpoint at a store.

    Cash@Till™ allows you to use your cheque card to withdraw cash at tillpoints of specific retailers such as Pick-n Pay and Checkers.

    Simply tell the cashier that you need to draw cash and they will assist.

    Terms, Conditions and Rules apply.

  • Lost Card Protection, extended warranty and purchase protection

    Lost Card Protection

    Protection in the event of a lost or stolen credit card

    Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline! FNB will assist in the event of a non-PIN related fraud incident on your account.

    In the event of your card being lost or stolen:

    • Call the Lost Card hotline immediately on 087 575 9406
    • Please note that this protection may not apply if it is determined that you were careless in protecting your card or PIN

    Terms, Conditions and Rules apply.

  • Dedicated Call centre

    Dedicated Call Centre

    Trained staff to help you get things done.

    Our dedicated call centre is equipped with trained staff to assist you with any queries you might have about your account.

    Terms, Conditions and Rules apply.

  • Courier Card delivery

    Courier Card Delivery

    Avoid the queues at a branch

    Open your Cheque Account online and we will courier deliver your cheque card to you.

    Terms, Conditions and Rules apply.

  • Smartphone or tablet offer

    Tablet and Smartphone Offer

    Is your phone as smart as your bank?

    Get a Smartphone or Tablet from FNB and you can bank anywhere via the FNB APP

    New and existing FNB clients can get a smart device at reduced rates to access their accounts via the FNB APP.

    • Existing customers can apply via Online Banking
    • New customers must apply for an FNB Cheque Account on the mobile pricing option

    Clients can get these devices and pay for them over a 24 month period with zero additional fees, interest or charges payable.


    In addition, FNB will:

    • Courier deliver your smart device to you at a cost of R150
    • Switch your debit orders, beneficiaries and salary, for free
    • Allow you unlimited Cheque card swipes
    • Give you free subscriptions to Online Banking, Cellphone Banking, Telephone Banking and the FNB APP
    • Grant you four free FNB ATM withdrawals a month - excluding branch, cheque and saswitch charges

    View the Mobile Pricing Guide


    To take up this offer, monthly Cheque Account deposits are required.

    Cheque AccountMinimum Monthly Deposit needed
    Gold Cheque AccountR5 500
    Islamic Finance Cheque AccountR5 500
    Young ProfessionalsR5 500
    Platinum Cheque AccountR16 500
    One AccountR16 500
    RMB and FNB Private Clients Cheque AccountR40 000

    The table below details the device and account fees applicable:

    Gold Cheque Account* PLUS Smartphone/Tablet per month (for 24 months)Platinum Cheque Account** PLUS Smartphone/Tablet per month (for 24 months)Private Clients Account*** PLUS Smartphone/Tablet per month (for 24 months)
    HTC SensationR297 (R97 + R200)R320 (R120 + R200)R330 (R130 + R200)
    HTC FlyerR297 (R97 + R200)R320 (R120 + R200)R330 (R130 + R200)
    The new Apple iPad 64GB Cellular# Wi-FiR436 (R97 + R339)R459 (R120 + R339)R469 (R130 + R339)
    The new Apple iPad 16GB Cellular# Wi-FiR356 (R97 + R259)R379 (R120 + R259)R389 (R130 + R259)
    The new Apple iPad 16GB Wi-Fi onlyR302 (R97 + R205)R325 (R120 + R205)R335 (R130 + R205)
    The new Apple iPad 32GB Cellular# WiFiR396 (R97+ R299)R419 (R120 + R299)R429 (R130 + R299)
    Apple iPad 2 16GB 3G Wi-FiR316 (R97 + R219)R339 (R120 + R219)R349 (R130 + R219)
    Samsung Galaxy NoteR392 (R97 + R295)R415 (R120 + R295)R425 (R130 + R295)
    Samsung Galaxy S3R392 (R97 + R295)R415 (R120 + R295)R425 (R130 + R295)
    320GB Acer Timeline Ultra M3R407 (R97 + R310)R430 (R120 + R310)R440 (R130 + R310)
    13" 2.5 GHz Macbook Pro MD101 500GBR627 (R97 + R530)R650 (R120 + R530)R660 (R130 + R530)
    11" MacBook Air MD223 64GBR522 (R97 + R425)R545 (R120 + R425)R555 (R130 + R425)
    13" MacBook Air MD231 128GBR627 (R97 + R530)R650 (R120 + R530)R660 (R130 + R530)

    Due to high demand, FNB cannot guarantee the colour of any Apple iPad product/s. Limited stock is available and FNB cannot guarantee a delivery date at this time. Should you place an order with FNB, please rest assured that we will do our utmost to get your device to you in the shortest possible time. FNB also undertakes to communicate regularly with clients who have placed an order.

    Manufacturer's repair centres for Smartphones/Tablets under Warranty.

    Apple iPad

    If your Apple iPad is faulty (this does not include physical damage) you can send an email to with all your information (name, cellphone number, email address, collection address and serial number of the device) plus a description of the fault.

    You also have the option of returning the device to an iStore.


    Samsung Support

    If the device is faulty within 7 days of receipt, call Brightpoint on 011 928 8370. If the device becomes faulty after 7 days of receipt, call Samsung on 0860 726 786.

    To escalate any Samsung issues, you can send an email to


    Acer Support

    If the device is faulty please call 0860 777 286


    BlackBerry Support

    Call Brightpoint on 011 928 8370. To escalate any Blackberry issues, you can send an email to or


    HTC Support

    Call 011 460 8000 or email

    Terms, Conditions and Rules apply.

  • Exclusive VISA offers

    Visa Privileges

    Visa - your perfect companion

    Enjoy more from life, whether you're travelling or at home.

    Your Visa Credit Card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

    While on your travels, should you have a medical emergency or your credit card is lost or stolen, you have access to an international support network to assist you: Visa Global Customer Assistance Service (GCAS) - 0800 990 475.

    Find out more about Visa privileges.

    Terms, Conditions and Rules apply.

  • Roadside Assistance

    AA Emergency Roadside Assistance

    Never be left stranded again

    FNB Petro Card holders receive free automatic AA Emergency Roadside Assistance, which provides a helping hand when experiencing problems with your vehicle.


    Roadside Repair Service:

    • Re-fuelling petrol up to ten litres
    • Restarting a flat battery
    • Changing flat tyres
    • Key lock-out service

    Tow-in Service - for mechanical or electrical vehicle breakdowns up to a maximum of R1000

    *If you are involved in an accident, the AA will arrange for your vehicle to be towed to the nearest AA approved repair centre or to a destination of your choice. You will be responsible for the costs incurred.

    Stand By You:

    • Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives
    • In addition to personal protection, this service reduces the risk of hijacking and vandalism whilst you're on the side of the road

    Courtesy Services**:

    • Car hire
    • Overnight accommodation for you and four other passengers
    • Transportation or the cost covered for you to collect your repaired vehicle

    **Courtesy services are covered up to a maximum of R500 for emergencies occurring more than 100 kilometers from your home.

    How to use AA Roadside Assistance Service

    • In an emergency please call 0860 70 60 50 and supply your Petro Card number*** to the consultant
    • An AA appointed contractor will be sent to provide you with assistance
    • Upon the contractors arrival please produce your Petro Card and proof of identity for the service

    ***Petro Card number is the 16 digit number on the front of your card

    Terms, Conditions and Rules apply.

  • Additional Linked Cards

    Additional Cards

    Multiple cards linked to one account

    Have the flexibility to link additional cheque cards to your account - ideal for a spouse or children of 18 years and older.

    How I can get it?

    When logged in to FNB Online Banking, select the My Bank Accounts tab, My Cards sub tab, Menu, Additional Card, select an account and follow the instructions.

    For more information contact 087 575 0000

    Terms, Conditions and Rules apply.

  • Use your card abroad (at VISA terminals)

    Use Your Card Abroad

    Use your FNB card at any terminal displaying the Visa logo

    Travelling has never been this convenient.

    Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

    Terms, Conditions and Rules apply.

  • See all benefits

A Gold Cheque Account is more than just a bank account. It's something that offers you functionality and flexibility. Something that helps you manage your money in a way that works for you. We've done some research on you and we know that banking, saving, borrowing and having the lifestyle you want are some of the things you think about. We want you to have that lifestyle too. We want you to go for it - to go for Gold


  • Unlimited FREE swipes when you use your Gold Cheque Account Card to pay
  • Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees
  • FREE subscription to inContact. This means we'll SMS you every time more than R 100 goes out of - or into - your account
  • FREE subscription to Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use
  • FREE emailed monthly statements


  • A FREE Linked Savings Account that earns you interest. FNB's Islamic offering also offers a competitive return
  • 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


  • 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 repaid 15% of your original loan amount
  • Overdraft access that is FREE of initiation fees. You only pay for it when you use it


  • Delivery of your Gold Cheque Account 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
  • 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, purchasing FNB Connect prepaid airtime, having an FNB Connect contract 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 Gold Cheque Card
  • Earn up to 40% back in eBucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime
  • 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 (Discounts exclude all taxes). 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 detailed information on how to qualify, earn and spend your eBucks Rewards please visit

What will it cost me

View the full Pricing Guide

Cheque Accounts
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