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Personal Checking Services
- The Green Account
- Simplicity Checking
- Personal Checking
- Reserve Checking
- Personal Now Account
- FREESTAR Checking Account
- PLUS Benefits Package
- Preferred Money Market Account
- Health Savings Account
- Re-order Checks
Personal Savings Services
- Regular Savings
- Special Events Savings Account
- Certificates of Deposit (CD)
- Individual Retirement Account (IRA)
- College Savings Account
THE GREEN ACCOUNT
Earn a high rate of interest, with no minimum balance and no monthly service charges when certain transaction requirements are met. Learn more. SIMPLICITY CHECKING
SIMPLICITY CHECKING requires only a $100 initial deposit, offers unlimited checking writing with no minimum balance requirement and no monthly service fees! Your first box of safety paper checks is free and you will be given a FREE, convenient debit card. You will receive itemized monthly statements and your cancelled checks are stored at the bank. FREE online banking and FREE Web Bill Pay are also available!
PERSONAL CHECKING
$100 will open a PERSONAL CHECKING account with no monthly fee options for those 62 years and older, customers with direct deposit of payroll, retirement or disability benefits, automatic loan payment transfers, or an average balance of $500 or more. Customers receive a monthly statement with itemized transactions and check images. FREE debit card, and FREE Internet Banking and FREE Web Bill Pay are also available with this account. For those who require the check image and are not eligible for no-fee options, the monthly fee is $5 if the balance is between $250 and $500 and a $7 if the balance drops below $250.00.
RESERVE CHECKING
The account adds a special pre-approved credit line feature to your PERSONAL OR SIMPLICITY CHECKING account. With a pre-approved credit line, you can write yourself a loan anytime.
PERSONAL NOW ACCOUNT
The NOW account is designed for those who want to earn interest, need the convenience of a checking account and who typically maintain the initial deposit and minimum balance requirement of $500.00. The monthly fee is $8 if the balance falls below $500. This account includes a FREE debit card, FREE Internet Banking, and FREE Web Bill Pay. Check images are included with the monthly statement.
FREESTAR CHECKING ACCOUNT
The best of ALL worlds, this account pays a very high competitive tiered interest rates on balances over $10,000. Unlimited check writing with FREE debit card , FREE Internet Banking, FREE Web Bill Pay, and an itemized transaction check-imaged statement are benefits included in this premier account. This is a great tool for customers wishing to earn high yields on liquid balances in one account! A $25 service fee is applied if the daily balance falls below $10,000 during a statement period.
PLUS Benefits Package
A program with real value and real savings. Benefits designed to maximize your convenience, savings and security. The PLUS Benefits Package can be added to any personal checking account. Benefits include $5 off personalized checks, complimentary cashier’s checks and travel cards, $10 off safe deposit box rental (where available), $100 discount on mortgage closing costs, .25% bonus rate on C.D.’s , discounts on eyeglasses, a prescription drug program, and more. Click here or contact any banking center for a complete list of benefits. Monthly fee of $6.
PREFERRED MONEY MARKET ACCOUNT
Take advantage of this high interest-bearing, tiered rate account that offers
a great rate of return, rewards higher balances and provides incentives
to all savers. With easy access to your money and check writing privileges,
this account requires only $2500 to open and maintain to avoid fees. The
PREFERRED MONEY MARKET account is offered to both personal and business
account customers and pays the competitive interest yield at the statement
cycle. Printed checks are always FREE for this account along with FREE
Internet banking access. Transactions are limited and there is a $10 monthly
fee if the balance drops below $2,500. Ask one of our Relationship Managers
for our competitive rates on this account.
Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. At FREESTAR BANK, we've created a very flexible tool for your HSA deposits. Our HSA is a high yielding checking account, on which we provide checks and a FREE debit card so you have optimum access and convenience. Plus, you will have the peace of mind of knowing you have appropriate records and documentation of your medical expenses.
For further information about HSAs, we suggest you visit the following web site- http://www.treasury.gov/offices/public-affairs/hsa
REGULAR SAVINGS
This account allows you to add money as often as you like, with no fixed maturity or term. You earn interest on your balance, and can withdraw money at any time. And as long as you meet the low minimum balance requirement, there's no monthly fee. The fee on this account is waived for minors and customers with other FREESTAR banking relationships.
SPECIAL EVENTS SAVINGS ACCOUNT
Special events come along periodically, and they can be very disruptive to a family's budget. So life keeps getting better, FREESTAR has systematic savings programs that can be personalized to every client's unique needs. The most typical of these special events are the holidays, and vacations. You decide how much money you want at a specific point in the future, and how often (weekly, bi- weekly, semi-monthly, etc.) you'd like a systematic transfer to take place to your Special Events Savings Account from your checking. We do all the rest! And when that special event arrives, the money is there to make it happen. Ask your Relationship Manager for more details.
CERTIFICATES OF DEPOSIT (CD)
Terms range from seven days to five years, and pay special Certificate of Deposit rates with minimum deposits as low as $2,500 and a maturity length that suits your needs. Check with a Relationship Manager for current specials!
INDIVIDUAL RETIREMENT ACCOUNT
Now more than ever, an IRA makes sense when planning for a secure retirement. Choose from the traditional IRA, which offers you the potential for making tax-deductible contributions each year, to the Roth IRA with its built-in flexibility for making withdrawals. Both allow your money to grow more rapidly while being sheltered from taxes.
A Rollover IRA is a secure choice for the money you get from a pension plan when you retire or change jobs, allowing you to avoid costly tax penalties.
COLLEGE SAVINGS ACCOUNT
Paying for college is harder than ever!
Everyone wants to help their children or grandchildren realize their dreams; whether its to become an astronaut, engineer, teacher or technician.
But there’s good news! Saving for college is easier than ever. With a 529 college savings plan, you gain significant tax advantages over traditional ways of saving for college. A 529 plan offers you several important benefits to help you save for college.
Did you know you can open a 529 plan for anyone, your child, grandchild, spouse or even yourself. You can design an individual college savings plan to fit your exact needs, and the earnings in the account can grow tax free.
Your college investment is serious money. Be sure to talk to one of our experienced financial advisers before investing.
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