Personal Banking

Checking Accounts

Designed with you in mind.

Whether you’re an individual, student or Veteran, FSB has the perfect checking account for you!

Franklin Savings Bank’s personal checking accounts are quick & easy to open, and feature.

  • Low-balance or no-balance requirements
  • Instant Issue Visa® debit cards
  • Free online banking and bill pay
  • Access to over 55,000 surcharge-free ATMs
  • And more!
Photo of student using cell phone in subway

Easy Checking

This personal checking account is designed for individuals who want a simpler way to manage their money without the hassle of a monthly service charge. With a low $50 initial opening deposit, Easy Checking™ accounts offer convenient features.

Features

The personal checking account that offers:

Details
Eligibility Requirements Individuals
Interest Bearing No
Minimum to Open $50
Minimum Balance to Avoid Monthly Service Charge $0
Monthly Service Charge N/A

 

Student Checking

It feels good to know you can take your community bank with you, wherever you may go, whatever you decide to do. Open your Student Checking account and take advantage of a personal checking account built for just for you!

Features

The personal checking account for kids, teens, and students that offers:

  • No balance requirement
  • No Returned Item Fees
  • Linked Account Transfers
  • Instant Issue Visa® Debit/ATM Card
  • Access to over 55,000 surcharge-free ATMs
  • Tuition Assistance¹
  • Used auto loan rate reduction²
  • Lender credit for purchase of first home in New Hampshire³
  • Mobile Wallet
  • 24/7 Debit Card Fraud Monitoring
  • Online Banking and Bill Pay
  • Mobile Banking
  • Text Alerts to keep you up-to-date on your account balance
  • $50 incentive for enrolling in e-Statements**
  • Direct Deposit
  • Account holders are qualified to enroll in Identity Theft Resolution Services (Annual charge may apply)
  • Complimentary financial planning seminars & investment consulting
  • FDIC Insurance

¹$250 to assist with Year 1 of secondary education, $100 per year to assist with Years 2-4 of secondary education. Student must provide a copy of a current tuition bill or other evidence that they are attending a school or program. Upon receiving proof of attendance, Franklin Savings Bank will deposit the tuition assistance into the student’s Franklin Savings Bank account. Request for tuition assistance must be made prior to the end of the current school year. Tuition assistance will show as interest on your 1099 for the year in which it was received. The maximum tuition assistance paid per student will be $550.00 over a four-year period. Account must be open for a minimum of 1 year to claim tuition assistance.

²1.00% rate reduction (based on current FSB rates) on used automobile loans for your first car, or loan will be priced at the Wall Street Journal Prime rate, whichever is less. Documentation fee will be waived. Parent or legal guardian must apply for the loan for individuals under the age of 18. If the Wall Street Journal Prime rate is used, the interest rate will be fixed for the term of the loan using the rate in effect on the day of loan closing.

³Lender credit of $1,000.00 per loan towards Franklin Savings Bank’s mortgage closing costs. Individual must have a checking account with Franklin Savings Bank at the time of mortgage origination.

*Must be 18 years of age in order to enroll in Bill Pay with Online Banking.

**$50 incentive will be deposited into Student Checking account when you enroll in e-Statements at account opening.

Student Checking account promotional offers cannot be combined with any other Franklin Savings Bank checking account promotional offers.

Details
Eligibility Requirements Students 13 – 23¹
Interest Bearing No
Minimum to Open $10
Minimum Balance to Avoid Monthly Service Charge $0
Monthly Service Charge N/A

¹Students under the age of 18 must have a parent or legal guardian as a joint owner on the account.  At the age of 23, the account will automatically be converted to a non-student checking account. Limit one Student Checking account per student.

Solutions Checking

Have you experienced financial difficulties in the past? This personal Solutions Checking account has been specifically designed for those who need a second chance. And the best part? If you keep your account in good standing for six months, you could be eligible for an upgrade to another FSB personal checking account—and all the perks that go along with it.

Features

The personal checking account that offers:

¹If requirements are not met

Details
Eligibility Requirements Individuals
Interest Bearing No
Minimum to Open $50
Minimum Balance to Avoid Monthly Service Charge $0
Monthly Service Charge¹ $10
 

¹If requirements are not met

Choice Checking

Looking for a low-cost personal checking account that accumulates interest with unlimited transactions and no additional fees? Then consider Choice Checking. And, if you are 62 or older, there is no monthly service charge and you’ll receive free check orders. Open this personal checking account with $50 and take advantage of all the perks.

Features

The personal checking account that offers:

  • No monthly service charge if balance remains above $500 each day during the statement cycle¹
  • Interest earned on minimum balances of $500 or more
  • Unlimited check writing at no charge
  • Linked Account Transfers
  • Instant Issue Visa® Debit Card
  • Access to over 55,000 surcharge-free ATMs
  • Mobile Wallet
  • 24/7 Debit Card Fraud Monitoring
  • Online Banking and Bill Pay
  • Mobile Banking
  • Text Alerts to keep you up-to-date on your account balance
  • e-Statements
  • Direct Deposit
  • Plus, account holders are qualified to enroll in Identity Theft Resolution Services (Annual charge may apply)
  • Complimentary financial planning seminars & investment counseling
  • FDIC Insurance

¹A service charge of $7 per month will be assessed should the balance drop below $500 any day during the statement cycle. (no charge for customers age 62 or older).

 

Details
Eligibility Requirements Individuals
Interest Bearing Yes. Interest earned on a daily minimum balance of $500.
Minimum to Open $50
Minimum Balance to Avoid Monthly Service Charge $500 daily
Monthly Service Charge¹ $7
 
¹If requirements are not met.

 

PassKey Checking

If you are a Veteran**, or if you are just serious about a personal checking account for money management, consider FSB’s Passkey Checking account. You can earn interest on your account when you maintain a combined balance of $25,000 (including Checking, Savings, CDs, IRAs, and Money Market Accounts).

Features

The personal checking account that offers:

  • No monthly service charge¹ with a combined personal deposit relationship of $25,000 or more
  • Earn interest on balances of $.01 or more
  • Complimentary checks²
  • Periodic CD Specials
  • $200 off closing costs on a new residential mortgage loan (see a Mortgage Loan Officer for details)
  • Complimentary bank checks & money orders
  • Complimentary stop payments
  • Complimentary domestic wire transfers
  • Reimbursement of up to 3 overdrafts or returned items fees per calendar year³
  • Linked Account Transfers
  • Instant Issue Visa® Debit Card
  • Access to over 55,000 surcharge-free ATMs
  • Mobile Wallet
  • 24/7 Debit Card Fraud Monitoring
  • Online Banking and Bill Pay
  • Mobile Banking
  • Text Alerts to keep you up-to-date on your account balance
  • e-Statements
  • Direct Deposit
  • Complimentary Identity Theft Resolution Services
  • Reimbursement of annual AARP dues
  • Complimentary financial planning seminars & investment counseling
  • FDIC Insurance

 

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  • ¹A service charge of $15 may apply should your average daily balance for the deposit relationship fall below $25,000. Service charge is waived for Veterans. Proof of military service is required at time of account opening.
  • ²Complimentary Oxford Single checks.
  • ³At customer’s request.
Details
Eligibility Requirements Individuals
Interest Bearing No
Minimum to Open $50
Minimum Balance to Avoid Monthly Service Charge $25,000 combined deposit relationship
Monthly Service Charge¹ $15

¹If requirements are not met

Personal Checking Comparison Chart

⇐ Scroll to LEFT

Eligibility Requirements Interest Bearing Minimum to Open Minimum Balance to Avoid Monthly Service Charge Monthly Service Charge (if requirements are not met)
Easy Checking Individuals No $50 $0 N/A
Student Checking Students (13 to 23¹) No $10 $0 N/A
Choice Checking Individuals Yes. Interest earned on minimum balances of $500 or more $50 $500 $7 (no charge for customers age 62 and older)
Passkey Checking Individuals & Veterans Yes $50 Maintain a combined deposit relationship of $25,000 or more. $15
Solutions Checking Individuals needing a second chance due to past financial difficulties No $50 N/A $10 Enroll in e-Statements and fee will be reduced to $9

¹Students under the age of 18 must have a parent or legal guardian as a joint owner on the account.  At the age of 23, the account will automatically be converted to a non-student checking account. Limit one Student Checking account per student.

Switching Banks

Is As Easy As 1.2.3

e-Statements

Simple. Secure. Environmentally Friendly.

Simplify your life AND help save a tree by using Franklin Savings Bank’s e-Statements. Convenient and easy, you’ll receive an email notification when your statement is ready for viewing. The best part? FSB’s e-Statements are more secure than traditional paper statements.

  • Fast! No more waiting for processing/delivery of your paper statement
  • Less paperwork/mail
  • Password protected; more private and secure
  • Reduces risk of lost or stolen statements
  • May help you stay more organized with your finances!
  • Convenient e-mail notification when your statement is ready
  • Past statements available for research/budgeting
  • Easy access via your online banking account(s)
  • Accepted as legal proof of payment
  • Easy to file/save your statements onto your computer, or print—it’s your choice!
  • View up to 24 months of statements
  • Sign up and your request will be processed the same day

For assistance, contact our Customer Service Team at 1.800.372.4445 or 603.934.4445.

NOTE: To ensure you receive your FSB e-Statement notifications, please add edelivery@fsbnh.bank to your “friends” list if you use an e-mail spam blocking application.

Visa® Debit & Credit Cards

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Order Checks

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Order Personal Checks
Option 1: Order Checks Online (Reorders only)
Option 2: Complete Secure Order Form
Option 3: Call 603.934.4445 or toll free at 1.800.372.4445
Order Business Checks
Option 1: Order Checks Online (Reorders only)
Option 2: Complete Secure Order Form
Option 3: Call 1.800.503.2345

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