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Personal Checking

The right checking account will help make managing your money easier. We have a variety of checking solutions, each with its unique benefits to meet your unique financial needs.


 e-Conomy Checking Traditional Checking e-Plus Interest Checking Select Interest Checking Platinum Benefits
Best if you... Want a low cost, minimum balance account. Want a low cost, minimum balance account. Want to earn interest while maintaining moderate balance. Want to earn interest while maintaining a moderate balance. Want to be rewarded for maintaining a larger balance relationship.
Minimum to Open $100 $100 $100 $100 $1,000
Pays Interest No No Yes Yes Yes
Special Features FTSB Benefits Bundle* FTSB Benefit Bundle* FTSB Benefit Bundle* FTSB Benefit Bundle* 
 FTSB Benefit Bundle*
Platinum BenefitsTM Services**
Statements Electronic Mailed Electronic Mailed Your choice
Ways to Reduce Charges None Maintain $2,000 average balance and receive 5% credit toward per debit charges Maintain $1,500 average balance Maintain $1,500 average balance
 Maintain $50,000 average deposit relationship and one monthly direct deposit
Service Charges None $1.94 $6.05 $6.05 
 $25
Activity Charge(1) None $.10/paper debit
$.06/electronic debit		 None $.20/paper debit
$.10/electronic debit
 None

Dark blue box with numbers and symbols. Light blue box with numbers and symbols. Dark green box with numbers and symbols. Green box with numbers and symbols. Purple box with numbers and symbols.


* FTSB Benefit Bundle

All our personal checking accounts come with:
  • FREE 24/7 account access:
    • Online Express internet banking
    • Mobile Express mobile banking
    • BillPay Express online bill payment
  • SHAZAMChek or PictureIt: Personalized Debit Cards
  • Use FTSB-owned and Privileged Status Network ATMs surcharge free
  • Image statements
  • Unlimited check writing and ATM use
  • Complimentary initial personalized checks
  • Overdraft protection available
  • $1,000 AD&D insurance benefit
  • FDIC Deposit Insurance


** Platinum Benefits Service

Platinum Benefits Services are a way of showing our appreciation to our loyal personal checking customers who maintain larger deposit relationships. Platinum Benefits Services include:
  • FREE checks
  • FREE domestic wire transfers
  • FREE 3x5 Safe Deposit Box or credit for larger size
  • .15% bonus on CDs and IRAs
  • 1.00% discount on consumer loans
  • FREE gift and travel cards
  • FREE bank money orders
  • FREE notary service
  • DISCOUNTED ID TheftSmart service
(1) - All accounts include a $.25/deposited item in excess of 20 activity charge
 
For full details, please download our Personal Checking Solutions Brochure.