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Business Savings

Pumpkin farmer accepting payment from a customer and her kids.


A simple way to earn higher interest rates as you save for large expenses or attain your saving goals while maintaining liquidity. 
 
Please Note: Important information about opening a new business account effective May 11, 2018.

Money Market Advantage
A savings account that offers an attractive interest rate for maintaining larger balances.

Passbook Savings
Earns a competitive rate of interest if a $100 or more average daily balance is maintained.

Health Savings Account
A no-nonsense HSA designed to save you money for your "high deductible health care plan" expenses.


Money Market Advantage


A savings account that offers an attractive interest rate for maintaining larger balances. Grow your interest as your balance increases.

  • 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. Interest is paid monthly. For current rates, click here.
    • Tier I Rate.....$0.01 - $24,999.99
    • Tier II Rate....$25,000.00 - $49,999.99
    • Tier III Rate...$50,000.00 - $99,999.99
    • Tier IV Rate...$100,000.00 - $199,999.99
    • Tier V Rate...$200,000.00 and up
  • Six debits per month are FREE. A $5.00 per debit service fee applies per debit over 6 per month.
  • Minimum Balance: $5,000 There is a $10.00 monthly service charge if the balance falls below $5,000.00 during the month.
  • Deposit to Open: $5,000 A minimum deposit of $5,000.00 is required to open the account.

Passbook Savings


Earns a competitive rate of interest if a $100 or more average daily balance is maintained. Interest is paid quarterly.

  • Nine debits per quarter are FREE. A $2.00 per debit service fee applies per debit over 9 per quarter.
  • Minimum Balance: $100 There is a $100.00 minimum balance required to earn interest.
  • Deposit to Open: $100 A minimum deposit of $100.00 is required to open the account. 

Health Savings Account


The Friendship State Bank offers a no-nonsense Health Savings Account (HSA) designed to save you money, earn you interest and make it easy for you to withdraw funds from your account to pay for your "high deductible health care plan" expenses. Before you take the HSA plan handed to you by your health insurance provider, consider the terms of our account.

  • FREE Set-Up      
  • FREE Transactions
  • Earns Interest
  • $3.75 Monthly Maintenance Fee
  • MasterCard Debit Card - for easy payments at your provider
  • FDIC Insured - $250,000
  • Minimum to Open: $250
Please visit any branch or call 877-667-5101 for full details.
Looking for higher interest saving options?

Easy to manage business checking accounts? 

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