Deposit Products

Free Checking

No Monthly Service Fees. Just Free.

• $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

Elite Checking

Go green while earning some green. You could also get all of your ATM fees refunded and earn some interest, too.

View Demo

• $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

Charter 50 Checking

50 never looked so good! Age 50+? This one's for you!

• $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

Relationship Checking

Best for those with multiple FSB&T accounts and loans!

• $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

Regular Savings

Need to save for something? A Regular Savings account is an easy way to save and earn interest- with low monthly limits.

• $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.

Charter 50 Savings

50 never looked so good! Earn interest and receive benefits on other bank services with this savings account that is specially designed for adults age 50 and over. 

• $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.

Kids Club Savings

Start saving from day one! Great for savings for college or other expenses your child might need as they grow.

• $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.

Savings Club Account

Save for a summer vacation, holiday shopping or any other special purpose.

• 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.
• $100 minimum available balance to receive interest.
• Have funds automatically transferred from another FSB&T account or from your payroll deposit

Money Market

For liquid savings with check writing capabilities. Open a new Money Market account today and start maximizing your interest!

• $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.

Performance Money Market

Provides a higher rate of return than a regular savings account. In fact, it is performance based – the higher the balance, the better the rate! The Performance Money Market Account is designed especially for those who plan to maintain a balance greater than $150,000.

• 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.

Traditional IRA

The amount contributed to your IRA may be tax deductible, depending on your adjusted gross income. Check with your tax advisor to learn if this is a good option for you.

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.

Roth IRA

The contributions made to a Roth IRA are not tax deductible, but the earnings grow tax-free. Contributions to a Roth IRA are post-tax, meaning you have already paid Federal and State taxes for that income. This is an excellent way to save for retirement with the ability to make tax-free withdrawals later on. Check with your Tax Advisor to learn if this is a good option for you.

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.