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!
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:
- No balance requirement
- 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
- Account holders are qualified to enroll in Identity Theft Resolution Services (Annual charge may apply)
- Complimentary financial planning seminars & investment consulting
- FDIC Insurance
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
This personal checking account was designed for individuals ages 13 – 23 who are looking for an account with no fees. It’s a great first account for students!
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
- 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
- $25 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
*Must be 18 years of age in order to enroll in Bill Pay with Online Banking.
**$25 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 – 22¹ |
| 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:
- No balance requirements
- Low monthly service charge¹
- Linked Account Transfers
- Instant Issue Visa® DebitCard for a low $2 monthly fee
- 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
- Sign up for e-Statements and save on the monthly service charge
- Direct Deposit
- Account holders are qualified to enroll in Identity Theft Resolution Services (Annual charge may apply)
- Complimentary financial planning seminars & investment counseling
- FDIC Insurance
Details
| Eligibility Requirements | Individuals |
| Interest Bearing | No |
| Minimum to Open | $50 |
| Minimum Balance to Avoid Monthly Service Charge | $0 |
| Monthly Service Charge¹ | $10 |
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 dues³
- Complimentary financial planning seminars & investment counseling
- FDIC Insurance
- 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 | Yes |
| 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 22¹) | 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
Shopping has never been easier!
Order Checks
We make it easy!
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
Text Alerts
Monitor your accounts in real time!