Checking
In today's world, you need more than just a checking account. Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. To best meet your needs, we have three levels of Spend to choose from.
Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.
When you open a checking account at our bank, you expect great service, dependability and value. What you don’t expect (or need) are strings attached to your account in order to avoid fees.
At FST, Totally Free Checking really is FREE! Free of minimum balances and hidden weekly, monthly or annual fees. We also have three great interest-bearing accounts to fit your every need. Plus, when you open your new account, you’ll get something else: a free gift to say ‘thank you.’ We’ll also buy back your old checks or debit card from another financial institution and apply a $25 credit to your new account.
Checking Account Features
Check Deposit Availability
At no extra cost, you may have instant access to your funds—up to $500—of the checks you've deposited. Plus, All Day Deposit is also available.
Essential Checking
If you want a simple, affordable, flexible checking account, Essential Checking is for you. It’s a great option if you favor using your debit card.
Reward Me Checking
Why not earn interest on your checking account by taking advantage of Reward Me Checking? This is a good choice if you use your debit card regularly and want to be rewarded for the balance you keep in your account.
Loyalty Checking
For customers who keep higher balances, Loyalty Checking is a premium account we’ve designed for our most loyal customers. If you have multiple accounts with us and are interested in free paper statements, premium CD rates and more, Loyalty Checking is the perfect checking account for you.
Convenience comes standard
Our personal checking accounts come with the features and benefits that add a better level of convenience and peace of mind when it comes to managing your finances.
- 24-hour online banking access
- Mastercard-backed cardholder benefits
- Free online Bill Pay
- Free mobile banking app
- Email and text alerts
- Personalized Mastercard Debit Card
