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Account Types

Compare FSB Personal Accounts

We provide community members with various checking and savings account options to ensure our financial products and services meet your unique needs. Compare the various accounts in our chart below then give us a call to help you set up the right account for you and your family.

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Account TypeConsider this account if you want…Account Details
Easy CheckingA basic checking account with a low minimum balance
  • Unlimited check writing
  • Check safekeeping required
  • $25 minimum deposit to open an account
  • $3 monthly fee if your balance falls below the minimum of $25
  • $2 charge for a copy of a check
  • Monthly account transcript
Regular CheckingA full-service checking account
  • Non-interest bearing
  • Monthly statements with check images
  • No service charge if the account balance is a minimum of $400 or an average daily balance of $1,000
  • If a service charge is assessed, it will be $4 plus tax per month with the first 20 checks free and $.10 for each debit transaction
  • No service charge fee assessed to students, individuals on social security or any non-profit organization
NOW CheckingAn interest-bearing checking account
  • Minimum deposit of $800 to open
  • Monthly statements with check images
  • No service charge if the account balance is a minimum of $800 or an average daily balance of $1,600
  • If a service charge is assessed, it will be $5 plus tax per month with the first 30 checks free and $.10 for each debit transaction
  • Interest rate varies according to the account balance. The interest rate and the annual percentage yield may change
Eagles Club CheckingA custom checking account designed for those who are 50 and older
  • Interest-bearing account
  • No minimum balance and unlimited check writing
  • Free personalized club-style checks or a $5 discount on other check styles
  • Free money orders
  • Free notary service and photocopies
  • Monthly statements with check images
  • A $3 plus tax monthly service charge
  • Accidental Death and Dismemberment Insurance
FSB Advantage CheckingA custom checking account designed for those who are 65 and older
  • No minimum balance
  • Unlimited check writing
  • Free personalized wallet safety paper checks or $5 discount on other check styles
  • Monthly statements with check images
  • Non-interest bearing account
HiFiAn interest-bearing account with transaction limitations
  • Monthly statements with check images
  • During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours, to a third party by means of a preauthorized or automatic transfer, telephone order, computer transfer, by check, draft, debit card (if applicable) or similar order to a third party
  • Interest will be compounded every month and credited to the account every month
  • If there are more than 6 transactions made in one statement cycle, there will be a fee of $2 assessed for each additional transaction
Passbook SavingsAn interest-bearing account
  • $20 minimum deposit to open account
  • Interest will be compounded every quarter and credited to your account every quarter
  • Quarterly statements
  • During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours, to a third party by means of a preauthorized or automatic transfer, telephone order, computer transfer, by check, draft, debit card (if applicable) or similar order to a third party
Certificates of DepositAn interest-bearing account.
  • Minimum opening balance of $500
  • Competitive interest rates
  • Flexible terms available from 91 days to 36 months
  • Interest can be paid by check or compounded or deposited directly to checking or savings account
  • Most are auto-renewable at current posted interest rate
  • Penalty for early withdrawal may apply
Traditional IRAA traditional way to save for retirement.
  • Individuals who are under 72 years of age for the entire tax year and have earned compensation may contribute
  • Distributions are penalty-free if taken after attaining age 59 ½.
  • Distributions are mandatory upon attaining age 72
  • Both variable and fixed interest rates are available
Roth IRATo grow your money without being taxed.
  • Participants are generally able to make annual non-deductible contributions, if you don’t exceed income limitations
  • Interest is tax free after a five year holding requirement and after you have attained 59 ½ or have become disabled, or for the first-time home purchase (up to $10,000) or to your beneficiary after your death
  • May make contributions after age 72 if you have earned income.
  • Both variable and fixed rates are available
Education IRATo save for educational expenses without be taxed for withdrawals.
  • Allows participant to put away up to $2,000 per year for higher education expenses
  • Earn interest tax-free
  • Pay no federal taxes when withdrawing your investment
SEP IRAA way to save for retirement and you're self-employed.
  • A retirement plan established by an employer. A one-person business is considered an employer and may establish a SEP
  • Earned income is required to be eligible to deposit
  • There are income limits
  • Contributions to the SEP are not subject to federal withholding.
  • Interest earned on the SEP deposit is sheltered from federal and most state income taxes until withdrawals are made at retirement.
  • Distributions are penalty-free and are taken after attaining age 59 ½.
  • Mandatory distributions upon attaining age 72
Health Savings Account

An easy way to save and withdraw money for health expenses not covered by insurance.

  • Savings account for health expenses
  • Have a high-deductible health care plan
  • Distributions for qualified medical expenses can be tax exempt
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