FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Checking Account
What do I need to open an account?
- Drivers license (new customer only)
- Proof of address (if different than drivers license)
| Checking Accounts | Freedom Checking
Non-interest bearing | Spirit Checking
Non-interest bearing | Super Now Account
Interest bearing | Veterans Honor Account
Interest bearing |
|---|---|---|---|---|
| Minimum Balance to Open | $.01 | $.01 | $.01 | $100 |
| Monthly Minimum Balance | None | $200 daily balance or $1,000 minimum average daily balance each statement cycle | $500 daily balance or $1,000 minimum average daily balance each statement cycle | $.01 |
| Monthly Service Charge | None | If minimum balance requirements are not met: $5 fee and $0.15/debit charge | If minimum balance requirements are not met: $8 fee and $0.15/debit charge | None |
| Debit Card (Subject to approval by FTSB) | Included Unlimited debit card activity | Included Unlimited debit card activity | Included Unlimited debit card activity | Included Unlimited debit card activity |
| Statements | e-Statements required | Paper or e-Statements available | Paper or e-Statements available | Paper or e-Statements available |
| Checks | Unlimited check writing
First box of checks included | Unlimited check writing | Unlimited check writing | Unlimited check writing First box of checks included, $5 off after first box |
| Additional Details | N/A | $2 minimum balance fee for students 22 and under and seniors 62 and older
Non-profits are eligible for one account with no monthly service charge Available to corporations & small businesses | N/A | Earn .15% above posted CD rates
$5 off annual safe deposit box. A $10 donation will be made to the VFW, American Legion, Auxiliary, Iowa Veterans Trust, Hunting with Heroes or FAVA upon opening; a donation will be made yearly to the same organization in the amount of $2 for every $1,000 average balance Identity theft insurance included - $5,000 per account* |
*Insurance products or annuity contracts are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.
