Personal Checking

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Veterans, Regular, Bonus Club, Super NOW and Free Checking Accounts

Free Checking

Our Free Checking account has no minimum balance requirements and doesn’t have a monthly service or per-check charge. This account features the added benefits of a debit card subject to approval by FTSB and unlimited check writing. Your first box of checks is free. eStatements are required with Free Checking.

Regular Checking

The Regular Checking account requires a minimum daily balance of $200 or a $1,000 minimum average daily balance during each monthly statement cycle. If neither of these requirements are met, the account holder is charged a $5 minimum balance fee and a $0.15 fee per debit. The minimum balance fee is reduced to $2 for students 22 and under and seniors that are age 62 and older. Non-profit organizations are eligible for one free account and will not be charged a monthly maintenance fee. Debit cards are available with this account and are subject to approval by FTSB.

Bonus Club Checking

Become a member of FTSB Bonus Club. This checking account features no minimum balance requirements, unlimited check writing and two free boxes of standard checks per year. By joining the Bonus Club, you will receive several extra benefits and services from the bank, including:

  • No issuing charges on money orders
  • Reduced rates on safe deposit boxes
  • Notary, fax and photocopying services
  • $10,000 basic accidental death insurance coverage **
  • Shopping rewards and grocery coupons
  • Travel savings and vacation packages
  • Prescription drug and eyewear discounts
  • Identity Theft 911

 A monthly fee of $8.00 will be charged as a Bonus Club member. 

Super NOW Account

Our Super NOW Account allows you to gain interest while giving you easy access to your money when you need it. You will need to maintain a minimum daily checking balance of $500 or a minimum average daily balance of $1,000 to avoid a monthly fee. If balance requirements are not met, you will be charged an $8 fee and a $0.15 fee per debit. FTSB debit cards are available with this account, subject to approval by FTSB.

Veterans Honor Account

FTSB is thankful for the services of all of our nation’s veterans. We offer a special checking account for veterans and their spouses. Benefits to the Veterans Honor Account include:

  • Interest bearing
  • No monthly service charge
  • Patriotic flag debit card, subject to bank approval
  • First box of designed checks is free, $5 off after first box
  • Unlimited check writing with no per-check charge
  • Earn .15 percent above posted CD rates
  • $5 off annual safe deposit box fee
  • Free identity theft insurance of $5,000 per account**

Upon opening your Veterans Honor Checking account, FTSB will make a $10 donation to your choice of the VFW, American Legion, Auxiliary, Iowa Veterans Trust, Wounded Warriors or Family Alliance for Veterans of America (FAVA). Additionally, we will donate $2 every year to the same organization for every $1,000 average balance in the account.

Discover the Checking Account Option Best for You

To find the checking account that will best suit your needs, stop in at one of FTSB’s offices to speak with a member of our personal banking staff.

*All fees subject to Iowa state sales tax at our Buffalo Center, Lakota, Britt and Lake Mills offices. Sales tax not applicable at Bricelyn, MN office.

** 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.