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Savings *

General Features and Benefits
Personal Savings* Convenient account to help our customers achieve their financial goals with a basic savings account earning a competitive interest rate. This account may be used as an Auto-Transfer Savings account and credit-back account for qualified accounts.
UTMA Savings* Special custodial savings account for minors. Allows parents or other custodians the ability to accumulate money for their children's future. A custodial account is used to hold and protect assets for a minor until they reach the age of majority.
Christmas Club* A convenient way to save for the holidays, this account offers a competitive interest rate with funds disbursed annually in October - just in time for holiday shopping. Choose your direct deposit frequency or make over-the-counter deposits whenever convenient.
FMSB Money Market* Earn a competitive interest rate, credited monthly, on this tiered money market account which combines check writing capability with interest earning potential.

  Personal
Savings
*
UTMA Savings* Christmas
Club
*
FMSB Money Market *
Minimum to Open Account $100 $10 None $5,000
Minimum Balance1 to Avoid Service Charge $100 $10 None $500
Minimum Balance1 Fee $5 $1 None $5^
Transaction Limitations* 3 FREE debits per month 3 FREE debits per month Unlimited deposits allowed; No withdrawals until annual maturity3 3 FREE debits per month
Account Statements Quarterly or monthly2 Quarterly or monthly2 Quarterly or monthly2
Quarterly or monthly2
Interest Crediting Frequency Semi-Annually Semi-Annually Semi-Annually
Monthly
Internet/Mobile Banking Included Included Included
Included
Touchtone Banker Included Included Included
Included
ATM Card** $1/mo/card N/A N/A N/A

*Limitations on frequency of transfers - See account disclosure for restrictions and transfer limitations applicable to this account.
1Average Available Balance
^Monthly Maintenance Fees may be waived if customer agrees to receive electronic delivery of their periodic statement according to the Electronic Delivery Service Agreement.
2Quarterly statements will be provided unless combined with a checking statement when applicable or due to EFT activity
**ATM Card Available to qualified accountholders. Other fees/charges may apply as disclosed at the ATM terminal.
3Funds disbursed annually at maturity in October.

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