Deposit Disclosures

Checking Accounts

Ultimate Checking

1 - Statement Fee- Imaged Items returned on Monthly Paper Statement (Truncated Statements are free): $5.00/month. Account subject to change. See Bank or TIS for more details.

Gold Checking

2 - $100.00 opening deposit required. If the combined balance falls below $20,000 on any day in the statement cycle there will be a $12.00 Gold NOW minimum balance fee. Accounts combined in the total include Checking, Savings, Time accounts (CDs), Retirement Accounts, Auto, HELOC, Jr Home Equity, FSB Credit Cards and qualifying outstanding personal loans. One account per household. Account subject to change. See Bank or TIS for more details.

Loyalty Checking

3 -  $100.00 opening deposit and no minimum balance required. The stated interest rate & APY will be earned providing the following items are posted and clear the account by the last business day of the month: eStatements (Valid email Address Required); log in to FSB I-Banking; two Automatic Transfers (ACH Direct Deposit or Payment); & 15 Debit Card Transactions (Excludes ATMs) with a minimum amount of $10.00 per transaction. If the previously mentioned items are not met, then a lower APY & interest rate of 0.01% will be earned on all balances. Charges up to $10.00 per month imposed at US, non-proprietary ATM’s will be refunded to your account by the 15th of the following month if the above conditions are met. Account Holder must have or open one additional primary or secondary account relationship other than the FSB Loyalty Checking, debit card, & Ibanking. Account subject to change. See Bank or TIS for more details.

Green Checking

4 - $100.00 opening deposit and no minimum balance required. To obtain the $5.00 monthly reward you must meet the following criteria monthly:  Minimum of 12 debit card transactions (excludes ATMs) with a minimum amount of $10.00 per transaction. Transactions must be posted by the last business day of the month. You also must receive eStatements monthly (with a valid email address). If the above two items are completed by the last business day of the month $5.00 will be credited to your account by the 15th of the following month. Account subject to change. See Bank or TIS for more details.

Savings Accounts

FSB Savings

5 - Minimum opening deposit and minimium balance is $300.00. $3.00 monthly fee if balance falls below minimum. Excessive withdrawal fee of $3.00 over 6 per month. See Bank or TIS for more details.

Smart Savings

6 - Minimum opening deposit and minimium balance is $100.00. $1.00 monthly fee if balance falls below minimum. Excessive withdrawal fee of $3.00 over 6 per month.  Paper statement fee of $2.00 (eStatements free w/valid email address). Eligible to the age of 17 unless paired with a FSB checking account then to age of 24. See Bank or TIS for more details.

Money Market Accounts

7 - Brokerage MMDA - minimum opening deposit and minimium balance is $1,000.00. Elite MMDA - minimum opening deposit and minimium balance is $10,000.00. All MMDA - $10.00 monthly fee if balance falls below minimium.  Excessive withdrawal fee of $8.00 over 6 per month. See Bank or TIS for more details.

HSA

9 - Must be enrolled in a high deductible health plan (HDHP). HSA rules are often complex. The total amount you may contribute per year cannot exceed the published annual limit. Refer to www.IRS.gov or consult a tax professional for additional information. See Bank or TIS for more details.

CDs - Certificate of Deposit

8 - CDs less than 1 year - Early withdrawal penalty equal to CD term. Interest compounds every 3 months. CDs 1 year or greater - Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. See Bank or TIS for more details.

+IRA Umbrella plans with less than $5,000.00 will receive an IRA minimum balance fee of $50.00 annually.  (plan is one or multiple CDs in a Roth or Traditional IRA umbrella).