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Personal Checking

My Bank. My Community.

Our Personal Banking programs are designed to make a person’s life better — easier, more efficient, more rewarding.  And we do so with your privacy and security at the top of our list.
Download our Personal Banking Brochure for more information.

FSWB Bird Icon Checking Accounts

Eagle Checking

  • Our Free Signature Checking
  • Minimum opening balance $100
  • No service charges
  • Optional Benefits: Visa Check Card; Free Online Banking and Bill Pay

This account earns standard interest rates and a higher E-Rate (up to $25,000) and up to $30 per month in ATM refunds as long as you have at least 10 check card posted transactions, receive an electronic statement and perform one direct deposit or ACH Auto Debit each cycle.

eChecking

  • Minimum opening balance $100
  • Minimum balance to avoid service charges $100
  • Monthly service charge with Check Images $8
  • Monthly service charge - Truncated Statement $5
  • Processing fees: 10 checks per month FREE
  • After 10 checks only 30¢ per check
  • Unlimited Electronic Items FREE
  • Optional Benefits: ATM Card; Visa Check Card; Overdraft Protection;
  • Free Online Banking and Bill Pay. This account does not earn interest.

This account allows for unlimited electronic items and Free Online Bill Pay.

Investment Checking

  • Minimum opening deposit $1,000
  • Balance to avoid monthly service charge $1,000
  • If balance falls below $1,000, monthly service charge of $25
  • Check Images with monthly statement $3
  • Truncated Statement FREE
  • Processing fees: Unlimited Check Writing FREE
  • Optional Benefits: ATM Card; Visa Check Card; Free Online Banking and Bill Pay. Please check with us for current interest rate schedules.

For your personal needs only. Balance required to earn interest is $10,000.

Senior Checking

  • If you have 55 or more years of life experience, this account is for you.
  • Minimum opening balance $100
  • Minimum balance to avoid service charges None
  • Monthly service charge with Check Images $2
  • Monthly service charge — Truncated Statement Free
  • Processing fees: Unlimited Check Writing FREE
  • Optional Benefits: ATM Card; Visa Check Card; Overdraft Protection;
  • Free Online Banking; Free Cashier’s Checks; Free Branded Checks. This account does not earn interest.

Personal Money Market Account

  • Personal Money Market Account. For people who require only a few withdrawals, this interest-earning option might be for you.
  • Minimum opening deposit $1,000
  • Minimum balance to avoid service charges $1,000
  • Monthly service charge with Check Images $11
  • Monthly service charge — Truncated Statement $8
  • Processing fees: Three checks per month FREE
  • After 3 checks $10 per check
  • Six transactions per month FREE
  • Not more than three by check

Optional Benefits: ATM Card; Visa Check Card; Free Online Banking;
Overdraft Protection. This account earns interest. Please check with us for current interest rate schedules.

Be sure to ask about Overdraft Protection - a loan that can be tied to your account and accessed when you need to.

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