Personal Savings

Savings Suite	Statement Savings	Elite Savings	Money Market	Health Savings Account (HSA)	Holiday Club

Product Description	Low minimum, interest-bearing savings	Higher interest savings	Highest interest savings account	Available for participants with high deductible health care plans	A special for holiday savings
Minimum Opening Balance	$50.00	$100.00 requires a FBFC consumer checking account	$2500.00	$50.00	$5.00
Minimum Daily Balance	$50.00	$100	$2500.00	$100.00 on deposit on consolidated relationships with FBFC	$5.00
Monthly Maintenance Fee	$1.00/mo and $0.25/debit if account falls below daily minimum balance	$3.00/mo if account falls below daily minimum balance	$5.00/mo and $0.25/debit if account falls below daily minimum balance	$5.00/mo an if account falls below daily minimum balance	NO
Competitive Interest	YES	YES	YES	YES	YES
Check Writing Access	NO	NO	Limited*	YES	NO
Withdrawal Limit	(6) per calendar cycle*	(6) per calendar cycle*	(6) per calendar cycle*	Unlimited withdrawals for qualified expenses+	(6) per calendar cycle*
ATM Access/Check Card	Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$~	Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$~	Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$~	Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$~	NO
Use for Overdraft Protection	YES	YES	YES	NO	NO
eStatements	Available	Available	Available	Available	Available
Other				$15.00 one-time setup fee. Limits on contributions. Distributions used for qualified medical expenses.
Additional Convenient Services and Products for Checking and Savings Accounts eBanking, eBill Pay, eStatements, telephone banking, safe deposit boxes, scheduled automatic transfers, Travel Club, cashier’s checks, money orders, Travelers Cheques, coin counting, check images, combined statements, direct deposit, check ordering, foreign currency ordering, stop payments, wire transfers, notary and signature guarantee. Ask about our complete line of CD, IRA, and children’s savings products. * Federal regulations limit pre-authorized withdrawals, telephone and internet transfers to six (6) per month of which no more than three (3) can be by check. ~ See Wisconsin ATM ACCE$$ brochure for participating ATMs. +See HSA brochure for explanation of qualified expenses.