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Checking

General Features and Benefits
Express Checking Rich in benefits, this checking account is for those that maintain minimal balances in their checking account, write more than 10 checks per month, and like the conveniences of electronic banking, including eStatements.
ePay Checking Streamlined checking for those that prefer electronic banking and are inclined to use their Debit/ATM card or electronic BillPay services versus write a paper check. Eliminates monthly ATM/Debit card fees and FMSB transaction fees for ATM withdrawals.*
Regular Checking Provides traditional checking benefits for those that tend to write more paper checks and want a paper statement. Additional benefits include reduced service charges for those that maintain a higher average balance. Students and Seniors may be eligible for waived service charges.
Student Checking Specially designed for students to provide the conveniences of electronic banking with the benefits of traditional banking.
NOW Checking Enhanced checking for those who generally carry a larger balance and are looking for interest income. Earn a competitive interest rate with the convenience of check writing.
HSA Checking Special taxqualified account for eligible individuals who have an established High Deductible Health Plan.

  Express
Checking
ePay
Checking
Regular
Checking
Student
Checking
NOW
Checking
HSA
Checking
Minimum to
Open
$100 $100 $100 $100 $1,000 $50
Minimum Balance* to Avoid Service Charge $100 $500 $1,000 None $1,000 $500
Monthly Minimum Balance Service Charge** $5 $5 $5 None $5 $7.50
Transaction Limitations
(per service charge cycle)
None
Unlimited electronic transactions, 10 paper debits per month included
20 debits per month included None 20 debits per month included None
ATM/Debit Card*** $1/mo/card Included1 $1/mo/card Included1 $1/mo/card Included1
Account Statements Monthly, images included, eStatements required Monthly, images included, eStatements required Monthly, images included, eStatements available Monthly, images included, eStatements available Monthly, images included, eStatements available Monthly, images included, eStatements required
Internet/Mobile Banking Included Included Included  Included Included  Included
Touchtone Banker Included Included Included  Included Included  Included
Safety Check#/Auto Transfer Available Available Available Available Available   N/A
*Average Available Balance; **Plus Iowa Sales Tax as applicable; ***ATM/Debit Card available to qualified accountholders; Plus $15 Account Opening Fee;1FMSB card fees and surcharge fees waived. Other fees/charges may apply as disclosed at the ATM Terminal. #Available to qualified customers only.

  Printable FMSB Personal Checking Accounts Options

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