Personal Savings


You can choose from a variety of savings account options that best fit your savings capacity. Each account offers a unique minimum balance and interest rate. You may also want to consider our special accounts when saving for the holidays and health care spending.

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Savings SuiteSmart SavingsStatement SavingsElite SavingsFirst Rate Money MarketHealth Savings Account (HSA)Holiday Club
Product Description Automatically save when you use your debit card Low minimum, interest-bearing savings Higher interest savings Higher interest savings account Available for participants with high deductible health care A special account for holiday savings
Minimum Opening Balance $50.00 requires an FBFC consumer checking account $50.00 $100.00 requires an FBFC consumer checking account $2500.00 $50.00 $5.00
Minimum Daily Balance $50.00 $50.00 $100.00 $2500.00 $1000.00 on deposit in consolidated relationships with FBFC $5.00
Monthly Maintenance Fee $3.00/mo if account falls below daily minimum balance $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 if account falls below consolidated relationships balance

NO
Competitive Interest YES YES YES YES YES YES
Check Writing Access NO NO NO Limited* YES NO
Withdrawal Limit (6) per calendar cycle* (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$$ locations~ Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$ locations~ Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$ locations~ Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$ locations~ Yes Free at FBFC & Over 600 Wisconsin ATM ACCE$$ locations~ NO
Use for Overdraft Protection YES YES YES YES NO NO
eStatements Available Available Available Available Available Available
Other Customer receives a $1.00 automatic transfer from checking to savings with every PIN or signature-based debit card transaction. Minimum 30-day introductory period bank match of $1.00 per debit card purchase; on-going bank match of $0.10**       $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, Pre-paid travel card, 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.
** 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.  See a banker for more information regarding terms and conditions.
~ See Wisconsin ATM ACCE$$ brochure for participating ATMs. +See HSA brochure for explanation of qualified expenses.

Contact a Personal Banker to open an account today

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