Non-Interest Checking Accounts

Personal Checking Accounts

$100.00 minimum to open account.

Monthly statement.

$8.00 service charge per statement cycle unless a minimum balance of $750.00 is maintained the entire statement cycle.

$.20 additional charge per check in excess of 35 posted during the statement cycle.

Service charges are waived if an MMDA, Savings Account, Certificate of Deposit, and or IRA have a combined total greater than $5,000.00




V.I.P. Club Accounts

$100.00 minimum to open account.

Monthly statement.

$8.00 service charge per statement cycle with ($10,000.00 accidental life insurance).
$9.00 service charge per statement cycle with ($20,000.00 accidental life insurance).

No limit on the number of checks written per statement cycle.

2 boxes wallet style checks free per year (safety paper colors only).

Savers Club membership included.




Senior Citizen Accounts

$100.00 minimum to open account.

Monthly statement.

Free checking account if age 60 or older, retired or disabled.

It is the responsibility of the customer to inform us of their Date of Birth.




Low Cost Accounts

$100.00 minimum to open account.

Monthly statement.

$4.00 service charge per statement cycle plus $.20 per check posted during the statement cycle.






Business/Organization Accounts

$500.00 minimum to open account.

Monthly statement.

$6.00 service charge per statement cycle.

$.10 additional charge per check paid less $.10 credit per $100.00 minimum balance maintained the entire statement cycle.





The Farmers Savings Bank welcomes your comments. We strive to give our customers the best service possible. If you have any questions or comments, please call us at 330-648-2441 or email us at info@fsb-spencer.com. We are, "The Bank with the Personal Touch."

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