| Features and Benefits | Savings Account a | Christmas Club Savings b | Certificate of Deposit | Individual Retirement Account | Health Savings Accountc |
|---|---|---|---|---|---|
| Minimum to Open | $100 ($25 Minors) | $5 | $500 | $500 | $100 |
| Monthly Service Charge/Minimum Balance Requirement Fee | $3 | None | None | None | None |
| Minimum Average Daily Balance (ADB)/Daily Balance to avoid Monthly Balance Requirement fee | $200 Daily | None | None | None | None |
| Interest Bearing* | Yes | Yes | Yes | Yes | Yes |
| Unlimited Deposits | Yes | Yes | Yes | ||
| Unlimited Withdrawals | Three Complimentary per month | Yes | |||
| MasterMoney Debit Card | Yes | ||||
| Online Banking/Mobile Banking** | Yes | Inquiry Only | Yes | ||
| 24 Hour Telephone Banking | Yes | Yes | |||
| eStatements Available | Yes | Yes | Yes | ||
Please see FGB Schedule of Misc. Fees and Charges for additional fees that may apply to your account. * Check our rates page for current rates. ** Mobile check deposit fee $1 per deposit after 5 complimentary each month. a Savings Account withdrawal fee $2 per transaction over three complimentary each month. Savings Accounts are also subject to Reg. D, which states that transfers from a savings account or third party by preauthorized, automatic, computer or telephone transfers are limited to six (6) per month, whether initiated by check, draft, debit card, if applicable, or similar order to third parties. b Christmas club savings - must deposit $5 per month via automatic transfer from another FGB account. Disbursements made via direct deposit into another FGB account on the third Tuesday in October.
c Health Savings Accounts - unlimited check writing for qualified medical expenses. | |||||
