Accounts
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Business Checking Accounts
| Small Business (Non-interest bearing) |
Elite Business (Non-interest bearing) |
Commercial Checking (Non-interest bearing) |
Business Value Checking (Interest bearing) |
|
|---|---|---|---|---|
| Opening Deposit Required | Yes | Yes | Yes | Yes |
| Daily Balance Required | Yes | Yes | Yes | |
| Tiered Interest Rate | Yes | |||
| Fees | (details below) | (details below) | (details below) | (details below) |
| ATM/Debit Card | Yes* | Yes* | Yes* | Yes* |
| Monthly Paper & eStatements |
Yes | Yes | Yes | Yes |
| MyConnect Voice Banking | Yes** | Yes** | Yes** | Yes** |
| MyConnect Online Banking | Yes | Yes | Yes | Yes |
| MyConnect Mobile Banking/ Mobile Deposit |
Yes*** | Yes*** | Yes*** | Yes*** |
Small Business Checking
Daily Balance: $500 Required to Avoid Service Charge
Fees: $10.00 monthly service charge if balance drops below $500 any day during a statement cycle
- 100 debit items per statement cycle, 25¢ per item after 100
- 40 deposits per statement cycle, 25¢ per item after 40
- *ATM/POS counts toward monthly debit items
- Free MyConnect Voice Banking **(regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea
Elite Business Checking
Daily Balance: $2,500 Required to Avoid Service Charge
Fees: $10.00 monthly service charge if balance drops below $2,500 any day during any statement cycle
- 200 debit items per statement cycle, 25¢ per item after 200
- 50 deposits per statement cycle, 25¢ per item after 50
- *ATM/POS counts towards monthly debit items
- Free MyConnect Voice Banking **(regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea
Commercial Checking
Daily Balance: No Minimum Balance (Earnings Credit available based on the daily average balance)
Fees: $10.00 Monthly Maintenance Fee
- 15¢ for each debit item
- 15¢ for each ACH deposit
- 50¢ for each deposit plus 10¢ for each deposit item
- *ATM/POS counts towards monthly debit items
- Free MyConnect Voice Banking **(regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea
Business Value Checking
Daily Balance: $5,000 Required to Avoid Service Charge
Tiered Interest Rate: See Truth in Savings Disclosure for details
Fees: $10.00 monthly service charge if balance drops below $5,000 any day during a statement cycle
- Limit of 100 credit items per statement cycle, 25¢ per item after 100
- *ATM/POS counts towards monthly debit items
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea
Fill out our Business Account Application and Authorized Signer Application and bring it to your local branch.
Personal Checking
|
Foundation Benefits with High Interest |
Foundation Benefits | Foundation Basic | |
|---|---|---|---|
| Opening Deposit Required | $25.00 | $5.00 | $25.00 |
| Daily Balance Required | Yes* | No | Yes* |
| Monthly Fee | Yes* | Yes* | Yes* |
| Tiered Interest Rate | Yes* | No | No |
| Fees | (details below) | (details below) | (details below) |
| ATM/Debit Card | Yes | Yes | Yes |
| Monthly Paper or eStatements |
Yes | Yes | Yes |
| MyConnect Voice Banking | Yes** | Yes** | Yes** |
| MyConnect Online Banking | Yes | Yes | Yes |
| MyConnect Mobile Banking/ Mobile Deposit |
Yes | Yes | Yes*** |
|
Bill Pay |
Yes | Yes | Yes**** |
Foundation Benefits with High Interest
- Fees
- First month no charge
- *$10.00 monthly service charge if Minimum Daily Balance falls below $1,000
- *Tiered Interest Rate
- Earn an interest rate of 2.38% with an APY of 2.40% on balances up to $15,000
- Earn 0.25% with an APY of 0.25% on balances over $15,000
- Requirements to Earn High Interest
- 12 Debit Card Transactions per cycle (posted and cleared to the account)
- eStatements
- 1 ACH Deposit per cycle
- If High Interest Requirements Are Not Met
- Earn an interest rate of 0.25% with an APY of 0.25%
- Anywhere Banking Tools
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking and Mobile Deposit
- Free Bill Pay
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free Debit Card
- Free eStatements or paper statements
- Free use of McKenzie Banking Company. Foundation Bank ATMs and Shazam Privilege Stats ATMs.
- Unlimited Account Transactions
- Discounts on Checks
- Money Orders (2 free per month)
Additional Benefits Powered by BaZing
- Shop Local, save local with BaZing savings: Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
- Cell Phone Protection: Receive up to $400 per claim (& $800 per year) if your cell phone is broken or stolen (subject to additional terms & conditions.)
- ID Theft Aid: Includes payment card fraud resolution, $2,500 in personal identity theft benefit, identity monitoring and credit monitoring (Identity monitoring and Credit Monitoring require additional enrollment on BaZing.com and are subject to additional terms and conditions.)
- Roadside Assistance: Available 24/7 and free to use, up to $80 in covered service charges
- $5,000 Accidental Death Insurance: Peace of mind for the unexpected. (Insurance products are: Not a deposit, Not FDIC Insured by any federal government agency or guaranteed by the Bank.
- Health Savings Card: Save money on prescriptions, eye exams, frames, lenses, and hearing services.
1) Cell phone protection, personal identity theft benefit, and purchase protection are subject to additional terms and conditions.
2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
Click here to learn all about your Bazing benefits
Click here to login to your Bazing benefits
Foundation Benefits
- Fees: *$6.00 monthly service charge
- Anywhere Banking Tools
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking and Mobile Deposit
- Free Bill Pay
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free Debit Card
- Free eStatements or paper statements
- Free use of McKenzie Banking Company/Foundation Bank ATMs and Shazam Privilege Stats ATMs.
- Unlimited Account Transactions
- Discounts on Checks
- Money Orders (2 free per month)
Additional Benefits Powered by BaZing
- Shop Local, save local with BaZing savings: Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
- Cell Phone Protection: Receive up to $400 per claim (& $800 per year) if your cell phone is broken or stolen (subject to additional terms & conditions.)
- ID Theft Aid: Includes payment card fraud resolution, $2,500 in personal identity theft benefit, identity monitoring and credit monitoring (Identity monitoring and Credit Monitoring require additional enrollment on BaZing.com and are subject to additional terms and conditions.)
- Roadside Assistance: Available 24/7 and free to use, up to $80 in covered service charges
- $5,000 Accidental Death Insurance: Peace of mind for the unexpected. (Insurance products are: Not a deposit, Not FDIC Insured by any federal government agency or guaranteed by the Bank.
- Health Savings Card: Save money on prescriptions, eye exams, frames, lenses, and hearing services.
1) Cell phone protection, personal identity theft benefit, and purchase protection are subject to additional terms and conditions.
2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
Click here to learn all about your Bazing benefits
Click here to login to your Bazing benefits
Foundation Basic
- Fees
- *$7.00 Monthly Service Charge
- *Monthly fee waived with two of the following three qualifiers:
- Minimum Daily Balance of $100
- eStatements
- 12 or more Debit Card transactions per cycle (posted and cleared to the account)
- Student Savings (18 & Under)
- Just enroll in eStatements and we’ll waive the $7 monthly fee
- Senior Savings (62 & Over)
- Just maintain a Minimum Daily Balance of $100 or do 12 or more Debit Card Transactions per statement cycle (posted and cleared to the account), and we’ll waive the $7 monthly fee.
- Anywhere Banking Tools
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval for $1.00 for each item. - ****Bill Pay available for $0.75 each
- Free MyConnect Voice Banking (**regular calling charges apply)
- Debit Card ($5 at [email protected] locations; free by mail)
- Free eStatements
- Free use of McKenzie Banking Company/Foundation Bank ATMs and Shazam Privilege Status ATMs.
- Unlimited Account Transactions
Watch this video on the powerful savings of BaZing!
Fill out our New Account Application and bring it to your local branch. Account Application
Savings
| Regular Savings (Interest bearing) |
Christmas Club (Fixed interest) |
Value Plus/Money Market (Interest bearing) |
Super Saver (High interest bearing) |
|
|---|---|---|---|---|
| Opening Deposit Required | $25 | $1 | $2,500 | $25,000 |
| Daily Balance Required | Yes | |||
| Tiered Interest Rate | Yes* | Yes* | Yes* | |
| Fees | (details below) | (details below) | (details below) | (details below) |
| ATM/Debit Card | Yes* | Yes | ||
| Paper or eStatement | Yes* | Yes | Yes* | |
| MyConnect Voice Banking | Yes** | Yes** | Yes** | Yes** |
| MyConnect Online Banking | Yes | Yes | Yes | Yes |
| MyConnect Mobile Banking/ Mobile Deposit | Yes*** | Yes*** | Yes*** | Yes*** |
| Bill Pay | Yes**** |
Regular Savings
*Tiered Interest Rates: See Truth in Savings Disclosure for details
Fees: No Monthly Service Charge
6 covered withdrawals per month without a fee; $1 each additional withdrawal over 6
- * ATM Card Only
- * Quarterly statement
- Monthly Statement (if a direct deposit or ATM service is connected to the account or if you receive a combined statement)
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposits available upon approval, $1/ea
Christmas Club
- No minimum balance
- $5,000 Maximum balance allowed
- Fees: No Monthly Service Charge ($25 penalty plus forfeiture of accrued interest for early withdrawal)
- Fixed rate of interest credited to account at maturity date
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposits available upon approval, $1/ea
Value Plus/Money Market
Daily Balance: $2,500 Required to Avoid Service Charge
*Tiered Interest Rate: See Truth in Savings Disclosure for details
Fees: $10.00 monthly service charge if balance drops below $2,500 any day during a statement cycle
6 covered withdrawals per statement cycle without a fee; $5 charge for each additional withdrawal over 6
- Monthly Bank Statement
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea - *Bill Pay available, 75¢/bill
Super Saver
Daily Balance: $25,000 Required to Avoid Service Charge
*Tiered Interest Rate: See Truth in Savings Disclosure for details
Fees: $25.00 quarterly service charge if balance drops below $25,000 any day during a statement cycle
- High Interest Bearing Account
- *Quarterly Statement; 1 withdrawal per statement cycle without a fee; additional withdrawals $25 each
- Free MyConnect Voice Banking (**regular calling charges apply)
- Free MyConnect Online Banking
- Free MyConnect Mobile Banking
***Mobile Deposit available upon approval, $1/ea
Fill out our New Account Application and bring it to your local branch. Account Application
IRAs
An Individual Retirement Account, IRA, is a great account to allow you to prepare for your future. At Foundation Bank you get a great interest rate and the assurance of knowing that you are getting ready for retirement.
For current rates please contact one of our Deposit Solutions Partners.
CDs
Our CD rates are competitive with our market and consistent over time. You can count on us to be a stable place to park your emergency fund because we not only want to meet your immediate needs, we want to build a lasting relationship and serve you over the long haul.
For current rates please contact one of our Deposit Solutions Partners.
Need help figuring out which deposit account is best for you?
Find your local representative
Liz loves serving the community that she calls home in Crockett County.
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Kathy loves serving our Paris Landing and Kentucky Lake area deposit clients.
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Nancy is an expert at meeting needs and building relationships with our clients in the Paris/Henry County area.
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For over 10 years Shawna Fowler has worked hard to build deep relationships with our McKenzie/Carroll County deposit community.
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Obion is a town where relationships matter. Tammy looks for ways to deepen our relationship with each and every one of our Obion deposit clients.
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Lindsey always looks for ways to make our Jackson deposit clients feel special and appreciated.
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