The Friendship State Bank

Personal Banking
Checking | Savings | CDs & IRAs | Personal Loans

Checking

We've taken the confusion out of choosing a checking account by offering straightforward accounts with
the features you deserve.

Overdraft Privilege information listed at bottom.

Please see a bank representative for full details.

Friendship First Checking
A basic non-interest bearing account that offers liberal limits on check writing and deposits. Best for individuals who do not write a lot of checks each month. An ATM/Debit card is available (subject to approval).

There are no monthly service charges with this account for customers
who maintain a $100 minimum daily balance.

Your benefits include:

Ten FREE ATM transactions per month at Friendship State Bank owned ATMs. There will be a $0.25 transaction fee per transaction over 10 per month.
FREE Check Images for your records
Unlimited Debits
Debit Card (subject to qualifications and approval)

Minimum Balance: $100
There is a $2.50 monthly service charge if the balance falls below $100. Individuals age 62 and over are waived the minimum balance fee; but must notify us at account opening or after they turn 62 for waiver to go into effect.

Deposit to Open: $100
A minimum deposit of $100 is required to open the account.

Secure-ID Checking

Security, and your solution for Identity Theft protection. In addition to
a full menu of special services, this interest-bearing account includes a subscription to Deluxe's ID Theft-Block 2.0. Click here for full info about
ID-Theft Prevention and Secure-ID.

There is no minimum balance to worry about, and your account can be opened with a $250.00 or greater deposit. A $4.00 monthly fee ($6.00 if
you opt out of E-Statements) gives you the following benefits:

ID Theft-Block 2.0 with proactive credit report monitoring, online credit report access, security alerts, fraud resolution, insurance,
and more.
E-Statements let you access up to 2 years of statements securely online, while saving valuable resources.
Monthly Interest Payments (with 3 tiers)
Unlimited ATM usage at all Friendship State Bank owned ATMs
FREE Check Images for your records
FREE First order of special member checks
FREE Travelers Checks, Incoming Faxes, Automatic Transfers, and Photocopy Services
Coupons for "Members Only" discounts on several bank products
Debit Card (subject to qualifications and approval)

Minimum Balance: None
$100 minimum is required to earn interest.

Deposit to Open: $250
A minimum deposit of $250 is required to open the account.

This account earns a tiered interest rate. The entire balance is subject to the higher rate when the average monthly balance reaches the next tier. For current rates, click the Rates tab.

Tier I Rate.....$100.00 - $9,999.99
Tier II Rate....$10,000.00 - $24,999.99
Tier III Rate...$25,000.00 and up

Friendship Advantage Checking
This package account offers a wealth of special services and discounts, and pays you interest. You can earn a higher interest rate by maintaining a higher average monthly balance, as this is a tiered interest rate account.

You will enjoy many benefits, including:

Monthly Interest Payments
Unlimited ATM usage at all Friendship State Bank owned ATMs
FREE Check Images for your records
FREE First order of special member checks
FREE Travelers Checks, Incoming Faxes, Automatic Transfers, and Photocopy Services
Coupons for "Members Only" discounts on several bank products
Debit Card (subject to qualifications and approval)

Minimum Balance: $100
There is a $5.00 monthly service charge if the
balance falls below $100.

Deposit to Open: $500
A minimum deposit of $500 is required to open the account. This minimum also applies when upgrading from a Friendship Basic Checking to a Friendship Advantage account.

This account earns a tiered interest rate. The entire balance is subject to the higher rate when the average monthly balance reaches the second tier. For current rates, click the Rates tab.

Tier I Rate.....$0.01 - $24,999.99
Tier II Rate....$25,000.00 and up

Overdraft Privilege Program
We offer an overdraft privilege program for qualifying accounts. At our discretion, we may pay checks written on overdrawn accounts. The fee for this service is $20.00 per item, but the item is paid and the account is saved any fees that may have been incurred for items returned NSF as well as fees imposed by the depositor. Please call any branch for full details and policy disclosures.

The Friendship State Bank is not participating in the Temporary Liquidity Guarantee Program, and has not received any funding or financial aid from the government whatsoever. And, is proud of it!