Personal Accounts: Checking

Order your personal checks -- check your order status. If you qualify for free checks please do not order checks online. Call FSB at 1-800-462-2265 and ask to speak with a Customer Service Representative.

Local Interest Checking

With a great interest rate, a low minimum balance, no monthly service charges when you meet simple account requirements and convenient eBanking services, Local Interest Checking is the talk of the town. And because FSB reinvests your deposits locally, you can help support our local economy, too.

  • Low $300 minimum balance
  • No monthly service charges (see below)
  • $10 rebate on other banks’ ATM fees
  • Convenient eStatements
  • Five FREE non-FSB ATM transactions per statement cycle
  • Unlimited check writing

*The 1.05% Annual Percentage Yield is effective as of November 28, 2012 and is subject to change without notice. Minimum opening deposit is $300. If the account balance falls below $300 anytime during the statement cycle, a service charge of $10 will apply, no foreign ATM fees will be waived and the interest on the full balance will be paid at .03% with .03% APY. Effect of fees could reduce the earnings on the account. Balances over $25,000 will be paid .03% APY. 12 FSB debit card and/or ATM posted transactions required per statement cycle. Monthly posted direct deposit and eStatements are required.

Essential Checking

Consider this non-interest-bearing account, and enjoy free online banking, free online bill pay and no minimum balance - the esssentials of life. Enjoy monthly eStatements and help protect the environment at the same time. Conduct unlimited FSB Check Card or ATM Card transactions, and enjoy your first order of basic or wallet style checks free when you sign up for direct deposit.

NOW Checking

Earn interest and avoid service charges with a $300 minimum daily balance! Plus, get unlimited check-writing and the use of our FSB Check Card or ATM Card.

Eagle Money Fund Checking

Enjoy the flexibility of a regular checking account with this popular alternative to traditional money market accounts. You get liquid access to your funds via check, FSB Check Card or ATM Card. Plus, avoid the penalties and restricted transactions associated with CD's and money market accounts. Eagle Money Fund Checking offers one of the highest interest rates available in the market place.

Special Loan Rates

You may qualify for reduced rates on some loans if we automatically deduct your monthly payment from your Essential, NOW, Eagle Money Fund or Statement Savings account.

Debit/ATM Card

You an access your money anytime, with an ATM or VISA© Debit/ATM card. With your Federal Savings Bank Debit/ATM Card you can make purchases anywhere in the world, wherever VISA© is accepted. For additional information, please contact Heather Lovely at (603) 742-4680

Lost or Stolen Debit/ATM Card

To report a lost or stolen Debit/ATM Card during non-banking hours please call 1-800-554-8969. Should you discover your Debit/ATM card is lost or stolen during normal banking hours, please contact a customer service representative at 1-800-462-2265.

  Essential Checking NOW checking Eagle Money Fund Checking
Minimum Balance to Open $50 $300 $1,000
Minimum Balance
(to avoid service charge)
None $300 $2,500
Interest None Yes**
$300 minimum balance to obtain Annual Percentage Yield
$2,500 minimum balance to obtain Annual Percentage Yield
Transaction Limits Unlimited Unlimited Unlimited
Excess Transaction Fee None None None
Monthly Service Charge None $7.00 if balance falls below $300 any day in the statement cycle $5.00 if balance falls below $2,500 any day in the statement cycle
Check Printing Prices vary. Free basic checks to customers who maintain at least one monthly direct deposit. Prices vary. Prices vary.
Free basic checks available for customers age 62 and over
Debit/ATM Card Fee None None None
ATM Foreign Fees There is a charge of $1.00 for each inquiry or withdrawal conducted at a terminal not owned by Federal Savings Bank.
Other Fees
(applies to all accounts)
Insufficient Funds $29 (for each item greater than $5) • Uncollected Funds $25 •
Stop Payments $25 • Checks returned from a deposit for any reason $15

**The Annual Percentage Yield (APY) on NOW and Eagle Money Fund accounts may change after the account is opened.
Fees could reduce earnings on NOW and Eagle Money Fund accounts.
See account disclosure for complete information including terms and conditions.