Personal Accounts

• $100 Minimum Opening Deposit
• No Interest
• No Service Charges
• No minimum balance requirements
• To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account

Includes:

Debit Card

Online & Mobile Banking

Bill Pay

Mobile Deposit

Account Alerts

e-Statements Available

• $100 Minimum Opening Deposit
• Earn Interest*
• No Service Charges
• ATM Surcharges Refunded*
• No Paper Statements
• No minimum balance requirements

To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account

Includes:

Debit Card

Online & Mobile Banking

Bill Pay

Mobile Deposit

Account Alerts

e-Statements Available

*Requirement to Receive Elite Checking Benefits: 

Sign up for electronic eStatements

Have one Direct Deposit or ACH debit per statement cycle

Skip the PIN and perform 15 “credit” transactions using your FSBT debit card

Log into Online Banking or Mobile Banking once per statement cycle

• $100 Minimum Opening Deposit
• Earn Interest with $1000 minimum available balance
• $6/mo Service Charge (waived with $100 minimum ledger balance)
• Two Free Boxes of Checks/Year

To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account
Includes:

Debit Card

Online & Mobile Banking

Bill Pay

Mobile Deposit

Account Alerts

e-Statements Available

Also Includes:

Free Charter 50 Checks (limit of 2 boxes per Year)

Free Cashier's Checks

Free Money Orders

Discounted Gift Card Purchase Fees

• $100 Minimum Opening Deposit
• Interest Bearing Account.

• If the minimum ledger balance falls below $5,000.00 or if your total combined deposit and consumer loan  relationship drops below $15,000.00, a monthly service charge of $15.00 will be imposed.

• Discounted Boxes of Checks (Limit of 2 per year)

To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account

Includes:

Debit Card

Online & Mobile Banking

Bill Pay

Mobile Deposit

Account Alerts

e-Statements Available

Also Includes:

Discounted Relationship Checking Checks (limit of 2 boxes per year)

Free Cashier's Checks

Free Money Orders

Discounted Gift Card Purchase Fees

• $100 minimum opening deposit
• $100 minimum available balance to receive interest.
• $1 monthly service charge; this is waived if account minimum ledger balance is $100 or more (during four week period)

• You may make withdrawals or transfers from your account. However, if you make more than 3 withdrawals or transfers within a four week or similar period, a service charge of $1.00 for each withdrawal or transfer over 3 will be imposed

• Interest is compounded and credited quarterly.

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

• $100 minimum opening deposit
• Designed for adults age 50 and over
• $100 minimum available balance to receive interest.
• No monthly service charge

• You may make withdrawals or transfers from your account. However, if you make more than 3 withdrawals or transfers within a four week or similar period, a service charge of $1.00 for each withdrawal or transfer over 3 will be imposed.

• Interest is compounded and credited quarterly.

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

Also Includes:

Free Cashier's Checks

Free Money Orders

Discounted Gift Card Purchase Fees

• $1 minimum opening deposit
• $1 minimum available balance to receive interest.
• No Monthly Service Charge

• You may make withdrawals or transfers from your account. However, if you make more than 3 withdrawals or transfers within a four week or similar period, a service charge of $1.00 for each withdrawal or transfer over 3 will be imposed.

• Interest is compounded and credited quarterly.

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

Free Birthday Prize

• No minimum opening deposit
• Funds are automatically disbursed to a specified FSBT account annually. Disbursement dates are May 15th or November 15th
• No service charges.
• Interest is credited annually.
• $1 minimum available balance to receive interest.
• Have funds automatically transferred from another FSB&T account or from your payroll deposit

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

• $1,000 minimum available  balance to receive interest.

• If the minimum ledger balance falls below $1,000.00, a monthly service charge of $10.00 will be imposed. In addition, a fee of $0.20 per transit item will be assessed for each transit item deposited over 30 per

  month.

• You may make transfers or withdrawals, or a combination of such, from your account each 4 week or similar period.

• Fee of $3 per debit over six per month.
• Interest is compounded and credited monthly.
• Monthly statements with check images.

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

• You must maintain a minimum available balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

• If the minimum ledger balance falls below $1,000.00, a monthly service charge of $10.00 will

  be imposed. In addition, a fee of $0.20 per transit item will be assessed for each transit item deposited over 30 per month.

• You may make transfers or withdrawals, or a combination of such, from your account each

  4 week or similar period.

• There is a fee of $10.00 per debit over six per monthly statement cycle.

• Interest is compounded and credited monthly.
• Monthly statements with check images.

Includes:

Online & Mobile Banking

Mobile Deposit

Account Alerts

e-Statements Available

Terms Available:

91 day ($2,500 minimum)

182 day ($2,500 minimum)

12 month ($500 minimum)

18 month ($500 minimum)

24 month ($500 minimum)

30 month ($500 minimum)

36 month ($500 minimum)

60 month ($500 minimum)

60 month flex-change certificate ($5000 minimum)

Your Certificate of Deposit could be subject to a penalty if you withdraw any of the principal before the maturity date. Please refer to the bank's Deposit Agreement for details.

• This IRA is for employers with fewer than 100 employees.
• Employee and employer contributions are 100% vested.
• The employer contribution must satisfy a matching contribution or a non-elective Contribution.
• See a personal banker for more details.

Note: Some IRA investments may not be insured by the FDIC. Mutual funds, stocks and bonds are not deposits or obligations of any bank; are not guaranteed by any bank; and are not insured or guaranteed by the FDIC, Federal Reserve Board or any other government agency. Investment in mutual funds, stocks or bonds involves risk, including possible loss of principal. Additional information is available from our personal bankers. Please contact us.

• Employer deposits money into employees' IRA's.
• Contribution is the lesser of 25% of compensation or $40,000.00.
• Incorporated, unincorporated, full-time or part-time businesses eligible.
• See a personal banker for more details.

Note: Some IRA investments may not be insured by the FDIC. Mutual funds, stocks and bonds are not deposits or obligations of any bank; are not guaranteed by any bank; and are not insured or guaranteed by the FDIC, Federal Reserve Board or any other government agency. Investment in mutual funds, stocks or bonds involves risk, including possible loss of principal. Additional information is available from our personal bankers. Please contact us.