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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 today to get started!


First Rate Checking

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 a higher rate of interest on their deposits, this is the best choice.

1.75% APY* on balances up to $15,000 if qualifications are met
0.05% APY* if qualifications are not met

To qualify for the higher interest rate and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle

Disclaimer: *APY = Annual Percentage Yield. APYs are accurate as of 10/17/2013. Rates may change after account is opened. Minimum to open is $100.00. Enrollment in electronic statements is required to open and maintain this account. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per individual transaction up to a maximum of $20.00 per monthly qualification cycle and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.75%; and (3) balances over $15,000 earn 0.25% APY interest rate on portion of balance over $15,000, resulting in range of 1.75% - 0.45% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit two accounts per primary Social Security Number (Business accounts do not qualify). ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.


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!

  • $10 minimum opening deposit
  • No minimum balance
  • No maintenance/activity fee
  • FREE Visa Debit Card*
  • First Box of Checks are FREE
  • Unlimited check writing
  • We will reimburse your domestic ATM fees. ATM Fee Refunds will be credited to your account on the last day of the statement cycle.

*For students ages 13 - 24. If under 18, parent/guardian must be on account.


First Class Checking

This account is easy to manage and economical too!

Maintain a $500.00 average daily balance and receive the following benefits:

  • Unlimited check writing
  • No service charge

If the average daily balance for the statement cycle falls below $500.00, the following fees would apply:

  • An activity fee of $0.15 will apply for checks/paper items paid in excess of 20.
  • Paper Statement fee of $1.00
  • Maintenance fee of $6.00

Paper statement fee of $1.00. This fee will not be charged if you choose to enroll and receive electronic statements. You must have a valid email address. Please ask for details on how to enroll.

If you choose to receive a Visa Debit Card, the following fees will apply:

  • Visa Debit Fee: $1.00. You can earn a $0.20 credit per purchase when using your Visa Debit cards as a credit transaction up to $1.00 per statement cycle (Visa Debit Rebate up to $1.00).
  • $100.00 minimum deposit to open account.
Health Savings Account (HSA)

Money Market Checking

Earn Higher Interest on your investment dollars while maintaining constant access to your funds!

This account has limited check writing privileges - only six debits allowed per statement cycle*.

Maintain a $2,500.00 minimum average daily balance to receive the following benefits:

  • Competitive, tiered interest rates
  • Free checks - special FSB&T wallet style
  • No monthly maintenance fee

*If more than 6 debits during statement cycle, additional fees will apply. Minimum deposit of $2,500 is required to open account. During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.


Regal Checking

Our Regal Account has the convenient features of a regular checking account.

Maintain a $1,000.00 average daily 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 notary service
  • Free copies
  • Free cashier's checks and money orders

If your average available daily balance drops below $1,000.00, the following fees would apply:

  • An activity fee of $0.15 will apply for checks/paper items paid in excess of 20.
  • Paper Statement Fee of $1.00
  • Maintenance fee of $8.00

Paper statement fee of $1.00. This fee will not be charged if you choose to enroll and receive electronic statements. You must have a valid email address. Please ask for details on how to enroll.

If you choose to receive a Visa Debit Card, the following fees will apply:

  • Visa Debit Fee: $1.00. You can earn a $0.20 credit per purchase when using your Visa Debit cards as a credit transaction up to $1.00 per statement cycle (Visa Debit Rebate up to $1.00).
  • $100.00 minimum deposit to open account.

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 maintenance fee of $11.00 and receive the following benefits:

  • $100.00 minimum balance to open and no minimum balance required to maintain account
  • Unlimited check writing
  • Free checks - VIP wallet style
  • Earn interest at competitive, tiered rates
  • Free Accidental Death & Dismemberment Insurance
  • 50% discount on Safe Deposit Box rental for the first year
  • Free cashier's checks and money orders

Paper statement fee of $1.00. This fee will not be charged if you choose to enroll and receive electronic statements. You must have a valid email address. Please ask for details on how to enroll.

If you choose to receive a Visa Debit Card, the following fees will apply:

  • Visa Debit Fee: $1.00. You can earn a $0.20 credit per purchase when using your Visa Debit cards as a credit transaction up to $1.00 per statement cycle (Visa Debit Rebate up to $1.00).
  • $100.00 minimum deposit to open account.

Click here to download the current Service Fee Schedule.