Direct Deposit Checking 

• Direct Deposit required 
• No minimum balance required  
• Unlimited check writing  
• Free (no annual fee) Mastercard Debit Card or ATM Card  
• If direct deposit not initialized within 30 days or ceases, $3.00 monthly service
  fee charged  
• First Year Free of a Safety Deposit Box
• Non-interest bearing    

Basic Checking

• No minimum to open
• Unlimited check writing
• Free (no annual fee) Mastercard Debit Card or ATM Card
• $3.00 service fee if balance falls below $300.00 (waived for full-time
  students younger than age 21)
• Non-interest bearing 

 

TRANSACTION ACCOUNT GUARANTEE PROGRAM DISCLOSURE

FRANKLIN BANK has chosen NOT to participate in the FDIC's Transaction Account Guarantee Program.  Customers of FRANKLIN BANK with noninterest-bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC general deposit insurance rules.