. Eligibility Requirements Interest Bearing Minimum to Open Minimum Balance to Avoid Fees Monthly Service Charge (if requirements not met)

Statement Savings Advantage

For Individuals or Businesses

Yes. Tiered Balance Levels: $100.00 – $4,999.99 and $5,000

$10

$100 (Customers under the age of 18 or over the age of 62 will not receive a monthly service charge if $10 daily balance is maintained)

$1.00 monthly service charge

Kids’ Account

For children 12 and under

Yes

$0.50

N/A

N/A

Choice Savings Club

For Individuals – This account is similar to a traditional Christmas Club, but with a twist!

Yes. Interest earned is paid at disbursement.

$5

N/A

You choose annual or semiannual disbursements. A $25 fee will be assessed for early withdrawals. Fee waived if account is used as a down payment for an FSB loan.

Money Market Advantage

Individuals

Yes

$2,500

$2,500

$10

Lakes Money Market Plus

Individuals with an FSB Checking Account

Yes

$2,500

$2,500

$10

Health Savings Accounts

Individuals

Yes

$100

$2,500

$2.50