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Personal Savings Comparison
| Features and Benefits | Savings Account | SavingsELITE3
| Christmas Club Savings4 | Certificate of Deposit | Individual Retirement Account | Guaranty Money Market | Health Savings Account |
|---|---|---|---|---|---|---|---|
| Online Account Opening | Open an Account | Open an Account | X | X | X | Open an Account | X |
| Minimum to Open | $100 ($25 for Minors) | $25,000 | $5 | $500 | $500 | $1500 | $100 |
| Monthly Service Charge | $3 | NONE | NONE | NONE | NONE | $15 | NONE |
| Daily Balance to Avoid Monthly Service Charge | $200 | NONE | NONE | NONE | NONE | $1500 | N/A |
| Interest Bearing* | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Deposits | UNLIMITED | UNLIMITED | UNLIMITED | X | X | UNLIMITED | UNLIMITED |
| Withdrawals | THREE COMPLIMENTARY PER MONTHa | UNLIMITED | X | X | X | UNLIMITED5 | UNLIMITED6 |
Debit Card (ATM Use Only) | Yes | Yes | X | X | X | Yes | Yes |
| 24 Hour Telephone Banking | Yes | Yes | Inquiry Only | Yes | Yes | ||
| Online & Mobile Banking | Yes | Yes | Yes | Yes | |||
| eStatements | Yes | Yes | Yes | X | X | Yes | Yes |
| Check Writing | X | X | X | X | X | UNLIMITED | UNLIMITED7 |
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.
aSavings Account - withdrawal fee $2 per transaction over three complimentary each month.
3 SavingsELITE - daily minimum balance of $25,000 to receive advertised rate.
4 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.
5 Guaranty Money Market - Unlimited withdrawals with minimum daily balance of $1500.
6 Health Savings Account - Unlimited withdrawals for qualified medical expenses.
7 Health Savings Account - Unlimited check writing for qualified medical expenses.