GO GREEN REWARDS CHECKING
Available for personal accounts only!
Click here for current Interest Rate and APY
Your Rewards: Earn our highest checking interest rate on daily balances up to $25,000, for each monthly statement period if you meet the conditions.

How You Qualify: You must sign up for e-mail statements and meet at least four of the following conditions:

• Make at least 10 or more FSB VISA Debit Card Transactions (excluding ATM transactions).
• Have at least one Direct Deposit (Payroll, Social Security).
• Have at least five Direct Debits (Utility bills, Cell Phone bills).
• Make at least two ATM transactions (Deposits, Withdrawals, Transfers).
• Make at least one Bill Payment Withdrawal through FSB Bill Pay.

In addition to interest earned, you will:

• Not be charged the $1.00 ATM Access fee at foreign ATMs.
• Not have a monthly service charge.
• Have free check images with e-mail statements.
• Have free Telephone Banking and Internet banking.
• Not be required to maintain a minimum balance.

Even if you do not meet four of the conditions listed above, you will still earn interest at a lower rate and you can try again to earn the higher rate the next month.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the rate chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account.

FREE CHECKING

• You must deposit $50.00 to open this account
• Free from any minimum balance requirements
• No monthly service charge
• Unlimited check writing - no excess check fees
• Normal bank charges may apply such as ATM, Stop-pay, etc.
• Neither cancelled checks nor images returned with statements
• First 50 imprinted checks are free - requires use of duplicate checks
• ATM or VISA Check Card, subject to bank approval
• 24-Hour Telephone Banking

REGULAR CHECKING ACCOUNT

• You must deposit $50.00 to open this account
• Free from any minimum balance requirements
• Service fee of $3.00 will be charged each month. Fee will not apply to students through age 18 or age 23 if in college or to individuals at least 60 years of age.
• An excess debit fee of $.15 will be charged for each debit transaction in excess of 35 during a monthly statement cycle
• Normal bank charges may apply such as ATM, Stop-pay, etc.
• Imaged statements delivered to you monthly
• ATM/VISA Check Card, subject to bank approval
• 24-Hour Telephone Banking

500+ CHECKING ACCOUNT

• You must deposit $500.00 to open this account
• Service fee of $5.00 will be imposed each statement cycle if the average balance in the account falls below $500.00 for the period.
• An excess debit fee of $.15 will be charged for each debit transaction in excess of 35 during a monthly statement cycle
• Normal bank charges may apply such as ATM, Stop-pay, etc.
• Imaged statements delivered to you monthly
• ATM/VISA Check Card, subject to bank approval
• 24-Hour Telephone Banking

NOW ACCOUNT

• Click here for current Interest Rate and APY
• You must deposit $1000.00 to open this account
• Service fee of $7.00 will be imposed each statement cycle if the average balance in the account falls below $1000.00 for the period.
• This is an interest bearing account. The interest rate and annual percentage yield (APY) may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded and credited monthly. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY.
• An excess debit fee of $.15 will be charged for each debit transaction in excess of 35 during a monthly statement cycle
• Normal bank charges may apply such as ATM, Stop-pay, etc.
• Imaged statements delivered to you monthly
• ATM/VISA Check Card, subject to bank approval
• 24-Hour Telephone Banking