*Other fees such as Paid Overdraft Fee, OD Limit Overdraft Fee or Returned Overdraft Fee, etc. may apply. See fee schedule for details. $25.00 minimum opening deposit. Accounts subject to change. See Bank for more details or call (877) 372-1879. Bank rules and regulations apply. $10 Buy Back: $10.00 bonus for active debit cards and/or pads of unused checks from another financial institution. Bonus will be applied as a credit to active FSB account at the time the checks/debit cards are presented. Free Gift: Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Refer a Friend: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by friends you invite. Referral bonuses are unlimited per customer. All bonuses and offers will be reported to the IRS as applicable. Customer is responsible for applicable taxes on bonus. Consult your tax advisor for more information. All promotions are subject to change without notice.