We have a savings plan that will help your money grow!    
Benefits KASASA Saver Statement Savings Health Savings Christmas Club 
Blue Chip Money Market
Interest 0.50% APY Interest*
for balances up to $100,000
monthly
Variable interest
compounded
daily
Variable interest
compounded monthly

Tiered Variable Interest rate depending on balance compounded monthly 
Free Online Banking & Mobile Apps X X X X X
Opening Deposit $25 $100 $50 *$10 $10,000
Free Debit Mastercard X X X X X
Statements Monthly Quarterly Monthly None Monthly
Minimum Balance None $100 None None $10,000
Service Fee None None if balance >
$100 or $5 if balance
falls below $100
None None None if balance >
$10,000 or $10 if balance
falls below $10,000
Withdrawal Limit 6 per month
($4 fee for each additional)
6 per statement cycle
($4 fee for each additional)
Unlimited Penalty for early withdrawal 6 per month
($8 fee for each additional)
Check Images No No Yes, returned No Yes, returned
Requirements/Important Information * We may change
the interest rate and
Annual Percentage
Yield (APY) at any time.
Rates are effective as
of June 1, 2016.
- Kasasa Checking Account required
- Must meet Kasasa
Checking account
qualifications to earn
interest. Balances over
$100,000 are paid APY of 0.05 %. When qualifications are not met APY of 0.05% is earned on entire balance.
- Can be tied to  multiple accounts/individuals
- Under Federal regulation,
transfers from this account
to another account or to
third parties by reauthorized,
automatic, or telephone transfers are limited to six per month.
- Fees may reduce earnings
- Balance must stay
above $100 to avoid fee (fee waived
for minors)
- Under Federal regulation, transfers from this account to another account or to third parties by  reauthorized, automatic,
or telephone transfers are limited to six per quarter.
- Fees may reduce
earnings
- Medicare enrollees are not eligible
- Individuals who are over 55 and not enrolled in Medicare may make catch-up contributions to their HSA account.

- Withdrawals may be tax-free if they are used for qualifying medical expenses.
- 50 Week Automatic
Savings Plan with a bonus if balance requirement is met at the end of the 50 week period.
- $10 drafted
weekly from a FB&T checking account (see chart in view more)
- Accounts must be opened by Feb 1 each year.
- Balance must stay above $10,000 to avoid fee
- Under Federal
regulation, transfers
from this account to
another account or to
third parties by preauthorized,
automatic,
or telephone transfers are
limited to six per month.
- Fees may reduce earnings

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