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Deposit Accounts

Checking

Personal Checking Accounts

EZShield^® Restoration with all Personal Checking Accounts. Read more below.

With all of our personal checking accounts, you receive free EZShield^® Restoration services. If you become a victim of identity theft because of a lost or stolen wallet, breached data, or fraud, we will connect you with an EZShield^® certified resolution specialist to assist you in restoring your identity.

You'll also have access to Frandsen Card Protect to help ensure your debit card is used only by you.

All of our checking accounts have debit cards, online banking, Bill Pay, and mobile banking available. We want you to be able to do your banking whenever you need to and from wherever you are.

My Checking

Our most popular account.

No minimum balance to avoid fees
Free ID Restoration with EZShield
Free eStatement or $3 Paper Statement Fee
Free MoneyPass® ATM withdrawals¹

Real Results Checking

Maximize interest with your active account.

Earns interest on all balances
Earn a premium interest rate on first $10,000 balance when the following conditions are met during a monthly statement cycle²:
- $500 in direct deposits AND
- 12 posted debit cards purchases³
Free ID Restoration with EZShield
Free eStatement or $3 Paper Statement Fee
Free MoneyPass ATM withdrawals¹
50% off Frandsen Bank checks
$10 monthly maintenance fee waived with $500 daily balance

Ultimate Checking

We value your relationship.

Pays tiered interest
Free statements
Waived balance transfer fee
Waived annual Ready Reserve fee⁴
Free ID Restoration and ID Protect with EZShield
Free box of Frandsen Bank checks per year
No-fee ATM withdrawals⁵
$25 monthly maintenance fee waived with $50,000 deposit OR $75,000 deposit and loan relationship⁶

Money Market

Let us help you reach your goals

Pays tiered interest
Free ID Restoration with EZShield
Free statements
$10 monthly maintenance fee waived with $2,500 average monthly ledger balance
$3 excessive withdrawal fee per transaction when six Regulation D withdrawals are exceeded per calendar month⁷

Health Savings⁸

Helps with your high-deductible health plan

Pays tiered interest
Access your HSA with a debit card
Free ID Restoration with EZShield
Free eStatement or $3 Paper Statement Fee
$3 monthly maintenance fee waived with $500 daily balance

Account	Highlights	Service Charge
Free Checking	No minimum balance Online Banking required eStatement required $100 minimum opening balance Pays no interest	None
Classic Checking	Unlimited check writing eStatement available $100 minimum opening balance Pays no interest	A $5 Maintenance Fee will be imposed every month if combined deposit balance^** falls below $5,000
Classic Plus Checking	Unlimited check writing eStatement available $100 minimum opening balance Earns interest on a tiered basis	A $8 Maintenance Fee will be imposed every month if account balance falls below $500 on any day during the statement cycle or if combined deposit balance^** falls below $10,000
Gold Star Checking	Available to persons age 55 or older No minimum balance One (1) free box of Frandsen Bank & Trust checks per year No fee cashier's checks, money orders, travel cards and gift cards eStatement available $100 minimum opening balance Earns interest on daily balances equal to or greater than $500	None
Money Market Checking	Unlimited in-person transactions Withdrawal limitations apply per federal regulation^* $2,500 minimum opening balance Earns interest on a tiered basis	A $10 Maintenance Fee will be imposed every month if account balance falls below $2,500 on any day during the statement cycle

* During any calendar month, you may not make more than 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.

** The combined deposit balance is determined by adding the account monthly average balance to the balance of all of your other personal deposit accounts on the statement cycle date.

¹ A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-
MoneyPass ATM operators may assess a surcharge fee.
² If premium interest rate conditions are not met, and for balances over $10,000 when premium
interest rate conditions are met, you will earn our Real Results Checking standard interest rate.
³ Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not
include pending or pre-authorized purchases.
⁴ Subject to application and credit approval.
⁵ Non-MoneyPass ATM operators may assess a surcharge fee.
⁶ The deposit relationship is the average statement cycle balance of this account, plus the
combined total of the prior month’s average balances of all other personal deposit accounts.
The loan relationship is the combined total of outstanding personal loan balances on the
account cycle date, excluding mortgages sold to investors.
⁷ Federal Regulation D limits certain types of withdrawals and transfers made to a combined total
of six per calendar month. This includes checks or drafts to third parties, debit card purchases,
preauthorized withdrawals and automatic transfers, and transfers made by telephone, online or
mobile banking, Bill Pay, and wire transfer.
⁸$20 set-up fee.

Deposit Accounts

Checking

Switch to Frandsen

Savings

CDs and IRAs

Health Savings

ID Protection

Overdraft Protection

Personal Checking Accounts

EZShield^® Restoration with all Personal Checking Accounts. Read more below.

My Checking

Our most popular account.

Real Results Checking

Maximize interest with your active account.

Ultimate Checking

We value your relationship.

Money Market

Let us help you reach your goals

Health Savings⁸

Helps with your high-deductible health plan

Deposit Accounts

Personal Checking Accounts

EZShield® Restoration with all Personal Checking Accounts. Read more below.

My Checking

Our most popular account.

Real Results Checking

Maximize interest with your active account.

Ultimate Checking

We value your relationship.

Money Market

Let us help you reach your goals

Health Savings8

Helps with your high-deductible health plan

EZShield^® Restoration with all Personal Checking Accounts. Read more below.

Health Savings⁸