Index
Checking
We are committed to providing you with the highest quality of service and our wide range of products have been designed to meet a variety of financial needs. Our New Accounts Specialists are ready to answer your questions and give you the assistance you need to meet your individual goals. Simply print off an application and bring it into any of our branches along with your picture ID. Contact Us!
Are you looking to reorder checks? For your convenience, please click the following Deluxe icon to order your checks.
free First Rate Checking
Free Checking No Matter What!!
For customers who embrace electronic banking and don't want to hassle with a minimum monthly balance or for those customers who want to earn an amazing rate of interest on their deposits, this is the best choice.
- $100 minimum balance to open
- No minimum balance required to maintain account
- Each month, make 12 debit card transactions, enroll and receive electronic statements and set up one direct deposit or automatic payment from your account to receive amazing interest. When you meet these three easy qualifications, you will receive 4.00% APY* on balances up to $30,000 and a bonus rate of 0.75% APY on balances over $30,000, plus FREE ATM refunds nationwide. If you do not meet the requirements, you still earn a base rate of .25% if qualifications are not met and you get to start again the next month.
* Annual Percentage Yield
Economy Checking
Pay as you go Checking!!
For customers who write a few checks and don't want to hassle with a minimum monthly balance, this is an economical choice.
- $100 minimum balance to open
- No minimum balance required to maintain account
- $2.00 monthly maintenance fee
- $0.15 activity fee per check paid
Families First Student Checking
How many students stay in one place? Not Many! Unfortunately you pay for it in foreign ATM fees. With this Families First Student Checking Account you can bank whenever or wherever-without the fees!!
Whenever or Wherever You Go - We're There!!
- No minimum balance
- No minimum deposit
- No maintenance/activity fee
- FREE Visa Debit Card*
- First 50 checks FREE
- Unlimited check writing
*For students ages 13 - 24. If under 19, parent/guardian must be on account.
First Class Checking
This account is easy to manage and economical too! Maintain a $200.00 minimum daily balance and receive the following benefits:
- Unlimited check writing
- No service charge
*If balance falls below $200.00 additional fees will apply
Golden Age Checking
Worry Free, Hassle Free Checking!
This account provides worry free checking for the golden years when the last thing you want to think about is maintaining a balance in your checking account.
If you are 62 years of age or better - OR - if you have Direct Deposit of Social Security, you will receive the following benefits:
- $100 minimum balance to open
- No minimum balance required to maintain account
- Unlimited check writing
- No monthly maintenance fee
Money Market Checking
Earn Higher Interest on Your Investment Dollars while Maintaining Constant Access to Your Funds!
Maintain a $2,500 minimum average daily balance to receive the following benefits:
- Competitive, tiered interest rates
- Free checks - special FSB&T wallet style
- No monthly maintenance fee
- Limited check writing privileges - 6 debits allowed per statement cycle
- Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (example, checks)
*If more than 6 debits during statement cycle, additional fees will apply
Regal Club Checking
Our most popular Checking Account!! Our Regal Club Account combines the best of both worlds... the convenient features of a regular checking account and the high return of a money market account.
Maintain a $500.00 average monthly balance - OR - have your Social Security Direct Deposited for the following benefits:
- Unlimited check writing
- No service charge
- Earn interest at competitive, tiered rates
- 10% discount on Safe Deposit Box rental per year
- Free cashier's checks, money orders, and traveler's checks
- Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (example, checks)
*If $500.00 average available balance is not maintained, additional fees will apply
VIP Checking
Simplicity prevails with the VIP Account!! For easy access to an exciting package of financial, travel and consumer-oriented services you wouldn't normally expect in a checking account. We offer a competitive interest rate on your average daily balance and one low monthly service charge. Simply put, this is the account for you!
Pay one low monthly fee of $9.00 and receive the following benefits:
- $100 minimum balance to open and no minimum balance required to maintain account
- Unlimited check writing
- Free checks - VIP wallet style
- Earn interest if average daily balance is above $2,500
- Free Accidental Death & Dismemberment Insurance
- 50% discount on Safe Deposit Box rental for the first year
- Free cashier's checks, money orders, and traveler's checks
- Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (example, checks)
