Checking Products
FSB Direct NOW Account
$50 initial deposit required
No minimum balance requirements
Interest credited monthly
First box of checks free*
Free Online Banking
Free Bill Payment
Free E-statements and online check images
Debit card access available upon approval
Security Checking available upon approval

Golden NOW Account (Age 50+)
$50 initial deposit required
No minimum balance requirements
Interest credited monthly
Free checks* 
Free Online Banking
Free Bill Payment
Free E-statements and online check images
Free copies and faxes*
Debit card access available upon approval
Security Checking available upon approval

Business Direct Account
$50 initial deposit required
No minimum balance requirements
Free Lockbox where available*
No currency or coin exchange fee
No per item deposit or check fees
Free Online Banking
Free E-statements and online check images
Bill Payment available**
Debit card access available upon approval
Security Checking available upon approval


Business Direct Plus Account
$50 initial deposit required
$25,000 average daily balance required to earn interest
No currency or coin exchange fee
No per item deposit or check fees
Free Online Banking
Free E-statements and online check images
Bill Payment available**
Debit card access available upon approval
Security Checking available upon approval


Security Checking-Overdraft Protection Line of Credit
An overdraft protection line of credit for your checking account**
No interest is charged unless there is an advance on the line of credit
Interest rate is variable and is subject to change without notice

 
Savings Products
Passbook Savings
$100 minimum balance required**
Interest credited quarterly


FSB Harvest Money Market Savings
$1,000 minimum balance required**
Interest credited monthly


Platinum Harvest Money Market Savings
$10,000 minimum balance required**
Interest credited monthly


Christmas Club Savings
$1 minimum balance required**
Interest credited annually


Certificates of Deposit
Please contact your local FSB branch for details and current offers


Individual Retirement Accounts
Please contact your local FSB branch for details and current offers

All NOW accounts, interest bearing checking accounts and savings accounts have variable interest rates.  The interest rate and annual percentage yield (APY) depend on the average daily balance maintained in the account.  The interest rate and APY are subject to change without notice.  Interest is credited to the account on the statement cycle date.  If the account is closed before interest is credited, the accrued interest will not be received.
*Some restrictions may apply
**Additional fees may apply.  Fees may reduce earnings on the account.
 
Other Services
  • Safe Deposit Boxes*** (Not available in Springboro)
  • Jeanie/Debit Access cards
  • Direct Deposit and Automatic Funds Transfers (AFT)
  • Combined Statement Option – Have all your loans and deposit accounts listed on your monthly checking account statement
  • Cashier's Checks
  • Cash Advance
  • Night Depository
  • Drive-Thru Banking
  • Wire Transfers
  • Notary Public
  • Darke and Preble County Dog License (December & January only) - Darke County at New Madison, Preble County at New Paris
  • Real Estate Tax Bill Payments (Darke and Preble Counties only)
  • Automated Teller Machines (ATM) - refer to the "Locations" link
  • Fax Services
***Contents of Safe Deposit Boxes are not insured by the FDIC.
 
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