Online Banking


Checking AccountsFreedom Checking
Non-interest bearing
Spirit Checking
Non-interest bearing
Super Now Account
Interest bearing
Veterans Honor Account
Interest bearing

Checking Accounts


Minimum Balance to Open

Freedom Checking
Non-interest bearing


$.01

Spirit Checking
Non-interest bearing


$.01

Super Now Account
Interest bearing


$.01

Veterans Honor Account
Interest bearing


$100

Checking Accounts


Monthly Minimum Balance

Freedom Checking
Non-interest bearing


None

Spirit Checking
Non-interest bearing


$200 daily balance or $1,000 minimum average daily balance each statement cycle

Super Now Account
Interest bearing


$500 daily balance or $1,000 minimum average daily balance each statement cycle

Veterans Honor Account
Interest bearing


$.01

Checking Accounts


Monthly Service Charge

Freedom Checking
Non-interest bearing


None

Spirit Checking
Non-interest bearing


If minimum balance requirements are not met: $5 fee and $0.15/debit charge

Super Now Account
Interest bearing


If minimum balance requirements are not met: $8 fee and $0.15/debit charge

Veterans Honor Account
Interest bearing


None

Checking Accounts


Debit Card (Subject to approval by FTSB)

Freedom Checking
Non-interest bearing


Included Unlimited debit card activity

Spirit Checking
Non-interest bearing


Included Unlimited debit card activity

Super Now Account
Interest bearing


Included Unlimited debit card activity

Veterans Honor Account
Interest bearing


Included Unlimited debit card activity

Checking Accounts


Statements

Freedom Checking
Non-interest bearing


e-Statements required

Spirit Checking
Non-interest bearing


Paper or e-Statements available

Super Now Account
Interest bearing


Paper or e-Statements available

Veterans Honor Account
Interest bearing


Paper or e-Statements available

Checking Accounts


Checks

Freedom Checking
Non-interest bearing


Unlimited check writing
First box of checks included

Spirit Checking
Non-interest bearing


Unlimited check writing

Super Now Account
Interest bearing


Unlimited check writing

Veterans Honor Account
Interest bearing


Unlimited check writing First box of checks included, $5 off after first box

Checking Accounts


Additional Details

Freedom Checking
Non-interest bearing


N/A

Spirit Checking
Non-interest bearing


$2 minimum balance fee for students 22 and under and seniors 62 and older

Non-profits are eligible for one account with no monthly service charge

Available to corporations & small businesses

Super Now Account
Interest bearing


N/A

Veterans Honor Account
Interest bearing


Earn .15% above posted CD rates

$5 off annual safe deposit box.

A $10 donation will be made to the VFW, American Legion, Auxiliary, Iowa Veterans Trust, Hunting with Heroes or FAVA upon opening; a donation will be made yearly to the same organization in the amount of $2 for every $1,000 average balance Identity theft insurance included - $5,000 per account*