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Personal Checking Accounts
Account disclosures detailing terms and conditions of specific accounts are available upon request by calling us at any one of our locations. Terms and fees may be changed by us at any time after reasonable notice to you as provided by law.
STAR CHECKING – A “FREE” PERSONAL CHECKING ACCOUNT
• Minimum balance to open $100.00
• Unlimited check writing ability
• Monthly statement with no check images
• MasterCard Debit Card available
• ACH deposits and withdrawals
• FREE Online Banking
• FREE Bill Pay
• FREE 24 Hour Telephone Banking
• No minimum balance requirement
• FDIC Insured
• Complete disclosure given at account opening
LONE STAR CHECKING – A PERSONAL CHECKING ACCOUNT
• Minimum balance to open $100.00
• Minimum balance to avoid monthly service charge (SC) $500.00
• Unlimited check writing ability
• Monthly statement with check images
• MasterCard Debit Card available
• ACH deposits and withdrawals
• FREE Online Banking
• FREE Bill Pay
• FREE 24 Hour Telephone Banking
• $8.00 Service Charge if balance falls below $500.00
• FDIC Insured
• Complete disclosure given at account opening
SILVER STAR CHECKING – A PERSONAL CHECKING ACCOUNT FOR SENIORS
• Minimum balance to open $100.00
• For customers 65 years and over
• Unlimited check writing ability
• Monthly statement with check images
• MasterCard Debit Card available
• ACH deposits and withdrawals
• FREE Online Banking
• FREE Bill Pay
• FREE 24 Hour Telephone Banking
• No minimum balance requirement
• FDIC Insured
• Complete disclosure given at account opening
GOLD STAR CHECKING – INTEREST BEARING CHECKING ACCOUNT
• Minimum balance to open $1,500.00
• Minimum balance of $1,500.00 to avoid Service Charge
• Interest compounded daily and paid monthly
• Variable Interest rate
• Minimum balance necessary to obtain annual percentage yield is $1,500.00
• Monthly statement with check images
• MasterCard Debit Card available
• ACH deposits and withdrawals
• FREE Online Banking
• FREE Bill Pay
• FREE 24 Hour Telephone Banking
• $8.00 Service Charge if balance falls below $1500.00
• FDIC Insured
• Complete disclosure given at account opening
LONE STAR MONEY MARKET ACCOUNT
• Minimum balance to open $100.00
• Interest compounded daily and credited monthly
• Variable interest rate
• No minimum balance required to obtain annual percentage yield
• Monthly statement with check images enclosed
• Withdrawal limitations—a per item charge of $5.00 for each debit in excess of 6 during a month
• ACH deposits and withdrawals
• FREE Online Banking
• FREE 24 Hour Voice Telephone Banking
• $10.00 Service Charge if balance fall below $2,500.00
• FDIC Insured
• Complete disclosure given at account opening
GOLD STAR MONEY MARKET ACCOUNT – Premium money market account
• Minimum balance to open $25,000.00
• Interest compounded daily and credited monthly
• High Yield Variable Interest Rate
• Monthly statement with check images enclosed
• Withdrawal limitations – a per item charge of $5.00 for each debit in excess of 6 during a month
• ACH deposits and withdrawals
• FREE Online Banking
• FREE 24 Hour Telephone Banking
• $25.00 Service Charge if balance fall below $25,000.00
• FDIC Insured
• Complete disclosure given at account opening
To open any account above, please fill out the application
and bring it to the nearest Fayetteville Bank location.
Apply Here!
Fee Schedule
BANK FEES
Account disclosures detailing terms and conditions of specific accounts are available upon request by calling us at any one of our locations. Terms and fees may be changed by us at any time after reasonable notice to you as provided by law.
BANK FEES – COMMON FEATURES
Limits and fees - The following fees may be assessed against your account and the following transactions limitations, if any, may apply.
| MasterCard Debit Card Replacement |
$5.00 |
| MasterCard Debit Card Withdrawal other location |
$1.00 |
| MasterCard Debit Card balance inquiry other location |
$1.00 |
| MasterCard Debit Card – Usage Limits |
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| Dollar Limit per day |
$1,500.00 |
| Frequency limit |
20 per business day |
| Automatic transfer between accounts to cover overdraft/NSFs |
$2.00 |
| Check Printing |
Fees vary by style of check |
| Temporary Checks |
$0.10 |
| Cashier’s Check |
$3.00 |
| Traveler’s Check |
1% of amount purchased |
| Traveler’s Check for Two |
2% of amount purchased |
| Paid NSF Fee |
$30.00 |
| NSF Returned Fee |
$30.00 |
| Deposited Checks Returned Unpaid (Chargeback) |
$5.00 |
| Account Activity Printout |
$1.00 |
| Special Statement Cutoff |
$10.00 |
| Account Research |
$20.00 per hour |
| Research Copies |
$1.00 per item |
| Account Balancing Assistance |
$20.00 per hour |
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| Telephone Transfers |
$2.00 |
| Stop Payment – All Items |
$20.00 |
| Wire Transfer – Outgoing/Domestic |
$20.00 |
| Wire Transfer – Foreign/International |
$40.00 |
| Collections plus Mailing |
$10.00 |
| Closing Account within 90 Days |
$15.00 |
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| Fax – Incoming & Outgoing |
$1.00 per sheet |
| Check Image Copies |
$1.00 |
| Gold Star Money Market & Lone Star Money Market Accounts – per item charge for any debit in excess of six (6) during any monthly statement cycle |
$5.00 |
| Safe Deposit Boxes |
Fees vary by Box Size |
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