Checking Accounts

BASIC CHECKING

  • Debit Card is available, upon Bank approval
  • E-mail Statements are available
  • Online Banking and Bill Payment are available
  • Mobile Banking
  • 24 Hour Telephone Banking
  • Limitations:  You must deposit $100.00 to open this account.

    Account Fees:  $4.00 will be charged if receiving paper statements.  $3.00 will be charged if receiving E-mail Statements.  The monthly maintenance fee will also be waived for customers under age 18 and over age 60.  


     

    GO GREEN REWARDS CHECKING

    Available for personal accounts only!  Limited to 1 account per customer!

    Click here for current Interest Rate and APY

    Your Rewards: Earn our highest checking interest rate on daily balances up to $25,000 and at a lower rate for balances over $25,000 and a lower rate for balances over $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 three of the following conditions:

    • Make at least 10 or more FSB VISA Debit Card Transactions (excluding ATM transactions).
    • Have at least one Direct Deposit/ACH (Payroll, Social Security).
    • Have at least five Direct Debits/ACH (Utility bills, Cell Phone bills).
    • Make at least two ATM transactions Withdrawals.

    In addition to interest earned, you will:

    • Not be charged the $1.00 ATM Access fee at foreign ATMs.
    • Not have a monthly maintenance fee.
    • 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 three 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 monthly.  The account has special criteria that must be met in order to receive the higher rate of interest on each tier.

    The rate will be .86% with an Annual Percentage Yield (APY) of .86% for balances from $.01 to $25,000 if conditions are met. For balances from $25,000.01, the rate will be .25% with an APY of .25% if conditions are met. This type of tiered rate is split resulting in an APY of .86% to .25%.

    If conditions are not met, the rate on the entire balance will revert to the lower rate, .05% with an APY of .05%.

    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.


    PLUS ACCOUNT

    • Click here for current Interest Rate and APY 
    • You must deposit $1000.00 to open this account
    • Maintenance fee of $7.00 will be imposed each statement cycle if the average balance in the account falls below $1000.00 for the period and customer is receiving paper statements.  Maintenance fee of $6.00 will be imposed each statement cycle if the average balance in the account falls  below $1000.00 for the period and customer is receiving E-mail statements.
    • 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