Personal Savings Accounts

Feature Smart Savings Statement Savings Elite Savings First Rate Money Market Health Savings Account (HSA)
Product Description Save automatically when you use your debit card Low balance, interest-bearing account Higher interest savings account Higher interest savings account with limited check writing access Available for participants with qualified high deductible health care plans
Minimum Opening Balance $50, requires an FBFC consumer checking account $50 $100, requires an FBFC consumer checking account $2500 $50
Minimum Daily Balance $50 $50 $100 $2500 No
Monthly Maintenance Fee $3/mo if account falls below daily minimum balance $1/mo and $0.25/debit if account falls below daily minimum balance $3/mo if account falls below daily minimum balance $5/mo and $0.25/debit if account falls below daily minimum balance No
Competitive Interest Yes Yes Yes Yes Yes
Check Writing Access No No No Limited* Yes
Withdrawal Limit (6) per calendar cycle* (6) per calendar cycle* (6) per calendar cycle* (6) per calendar cycle* Unlimited withdrawals for qualified expenses+
ATM Access/Debit Card Free at FBFC & over 600 Wisconsin ATM Access locations Free at FBFC & over 600 Wisconsin ATM Access locations Free at FBFC & over 600 Wisconsin ATM Access locations Free at FBFC & over 600 Wisconsin ATM Access locations Free at FBFC & over 600 Wisconsin ATM Access locations
Use for Overdraft Protection Yes Yes Yes Yes No
eStatements Available Available Available Available Available
Bank@Work Eligible Yes Yes Yes No Yes
Other Customer receives a $1 automatic transfer from checking to savings with every PIN or signature-based debit card transaction. Minimum 30-day introductory period bank match of $1 per debit card purchase; ongoing bank match of $0.10**       Limits on contributions. Distributions used for qualified medical expenses+

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* Federal regulations state that during any calendar month you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
** Paid on 1-year anniversary date of account opening; not paid unless account is in good standing. Unposted bank match is automatically forfeited upon account closure. Total annual bank match maximum (introductory and ongoing) is $100.00.  The 30 day introductory period begins on the first day after account conversion or opening; however in certain cases we may extend the matching program to allow for mailing and processing time of your debit cards up to a maximum of 60 days. Bank match may be reported to the primary account holder as income. Customer is responsible for all applicable taxes. See a banker for more information regarding terms and conditions.
~ See Wisconsin ATM Access brochure for participating ATMs or click here. +See IRS Publication 502 for explanation of qualified expenses.