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Personal Accounts Business Accounts Certificates of Deposit IRAs Contact the bank for specific information regarding IRAs Mobile Banking App Miscellaneous Fees Miscellaneous Services Mobile Banking App, Internet Banking, Mobile Deposits, eAlerts, Image Statements, Direct Deposit
Direct Debit Night Depository - Milford & Fostoria
Bank by Mail
Stop Payment Orders
Travel Cards
Gift Cards Access (General Purpose) Cards
Wire Transfers
Cashier Checks
Money Orders
Notary
Corporate ACH Origination
PERSONAL ACCOUNTS
CLASSIC CHECKING
A great account if you value simplicity.
Minimum to Open - $50.00
Interest - None
Check Writing Limit - Unlimited
SHAZAM Debit Card- Available for those who qualify
Additional Features: - 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
- Bill Pay (also available on Mobile App)
INTEREST CHECKING
A great account if you wish to earn interest on your money.
Minimum to Open - $500.00
Minimum Balance to Avoid Fees - $500.00 average daily balance
Charges if Below Minimum - $5.00 per statement cycle + $0.15 per debit
Interest - Variable Rate paid Monthly
Rate does not increase with higher balances
Check Writing Limit - Unlimited
SHAZAM Debit Card- Available for those who qualify
Additional Features: - 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
- Bill Pay (also available on Mobile App)
PREFERRED INTEREST CHECKING
The best choice if you keep a high balance, want to earn interest, AND want full access to your funds.
Minimum to Open - $10,000.00
Minimum Balance to Avoid Fees - $10,000.00 minimum daily balance
Charges if Below Minimum - $10.00 per statement cycle & No interest earned for the day(s) the balance is below $10,000.00
Interest - Variable Rate paid Monthly:
Rate increases with higher balances from
$ 10,000.00 to $49,999.99
$ 50,000.00 to $99,999.99
$100,000.00 and above
Check Writing Limit - Unlimited
SHAZAM Debit Card- Available for those who qualify
Additional Features: - Free Personalized Checks
- 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
- Bill Pay (also available on Mobile App)
- Free Safe Deposit Box
STATEMENTS SAVINGS
A simple, traditional place to save.
Minimum to Open - $10.00
Minimum Balance to Avoid Fees - None
Charges if Below Minimum - Account cannot be overdrawn
Interest - Variable Rate paid quarterly
Transaction Limitations - Withdrawls or transfers from this account to another account, are limited to six per month with no transfers by check, draft, or similar payment order to third parties.
Rate increases with higher balances from
$0.00 to $499.99
$500.00 to $2,499.99
$2,500.00 and above
Additional Features: - Passbook to record entries
- 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
MONEY MARKET (MO MKT)
A great choice if you keep a high balance, want to earn interest, AND want occasional access to your funds.
Minimum to Open - $2,500.00
Minimum Balance to Avoid Fees - None
Charges if Below Minimum - None
Interest - Variable Rate paid Monthly
Rate increases with higher balances from
$0.00 to $2,499.99
$2,500.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $299,999.99
$300,000.00 and above
Check Writing Limit - Limited to six pre-authorized debits per month.
SHAZAM Chek - N/A
Additional Features:
- 24 Hour Mobile Banking App
- Mobile Deposit
- Monthly Statement
- Internet Banking
BUSINESS ACCOUNTS
BUSINESS ANALYSIS CHECKING
A standard business account with Earnings Credit.
Minimum to Open - None
Minimum Balance to Avoid Fees - Based Upon Earnings Credit Analysis
Charges if Below Minimum - Based Upon Earnings Credit Analysis (Contact bank for an analysis typical for your business)
Interest - None – Earnings Credit Applies
Check Writing Limit - Unlimited
SHAZAM Chek - None
Business Credit Card Available
Additional Features:
- 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
- Bill Pay
- Monthly Maintenance Charges - None
- Business Banking / Cash Mangement Service - No Charge
- Other Charges:
- Checks - $0.12 per check
- Deposit Slips - $0.12 per deposit slip
- On-Us Deposit Item - $0.00 (Check written by FSB Customer)
- Foreign Deposit Item - $0.07 per Item (Check written by Non-FSB customer)
BUSINESS STATEMENT SAVINGS
A simple, traditional place to save.
Minimum to Open - $10.00
Minimum Balance to Avoid Fees - None
Charges if Below Minimum - None – Account cannot be overdrawn.
Interest - Variable Rate paid quarterly
Transaction Limitations - Withdrawls or transfers from this account to another account, are limited to six per month with no transfers by check, draft, or similar payment order to third parties.
Rate increases with higher balances from:
$0.00 to $499.99
$500.00 to $2,499.99
$2,500.00 and above
Additional Features: - Quarterly Statement
- 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
BUSINESS MONEY MARKET (MO MKT)
A great choice if you want to keep a high balance, earn interest, AND make few transactions.
Minimum to Open - $2,500.00
Minimum Balance to Avoid Fees - None
Charges if Below Minimum - None
Interest - Variable Rate paid monthly
Rate increases with higher balances from:
$0.00 to $2,499.99
$2,500.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $299,999.99
$300,000.00 and above
Check Writing Limit - Limited to six pre-authorized debits per month.
SHAZAM Chek - N/A Additional Features: - Monthly Statement
- 24 Hour Mobile Banking App
- Mobile Deposit
- Internet Banking
CERTIFICATES OF DEPOSIT
Various terms and features are available. Contact the bank to get current rates and specials.
24 HOUR Mobile Banking App
Download from your Google Play Store or Apple App Store
*Prior internet activation required. Call the bank TODAY to have your accounts online activated!*
Your Accounts are available wherever you are. Make a mobile deposit right through the Mobile App. **Mobile Deposit Fee $0.25 per deposit plus tax**
MISCELLANEOUS FEES AND CHARGES
Check Printing: Fee depends on style of check ordered
Mailing Charge for New Checks: $7.00 per box; pick up at the bank for free
Copies: $0.10 per page
Fax Fees: $2.00 per fax
Travel Card: $6.00 per card
Gift Card: $4.00 per card
Personal Money Order: $3.00
Cashiers Checks: $5.00
Notary Service: Free to all bank customers
Domestic Wire Fees: $20.00 Outgoing and $10.00 Incoming
International Wire Fees: $45.00 Outgoing and $25.00 Incoming
Debit Card Replacement: $15.00*
Debit Card Personal Identification Number (PIN) Re-Issue: $2.00
Stop Payment Request: $20.00 per request *
Overdraft Charge (Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable: $10.00 per item) **
Return Item Charge (per item): $10.00
Deposited Checks Returned Unpaid (per item): $2.00* Effective January 1, 2019 $5.00* (per item)
Account Activity Printout: $1.00 per page
Account Research and Balancing Assistance Fees: $25.00 per hour *
Copy of Statement or images: $1.00 per page
Statement Mailing Charge: $1.00
Return Mail Charge: $2.00
Garnishments & Levies: $25.00 per transaction
Currency Conversion Fee: .20% of amount transacted
Cross-Border Transaction Fee: .80% of amount transacted
Safe Deposit Box- All Locations (Contents Not Insured by FDIC)
**Mobile Deposit Fee $0.25 per deposit plus tax** Bill Pay Inactive Fee: $5.00 (After 60 days of non-use) * Subject to Sales Tax
* Applies to Savings & DDA Accounts - Contact the location of your choice for specific details
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