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Personal Checking with FSB

Compare Personal Checking Accounts at Franklin State Bank

At Franklin State Bank, we offer a range of personal checking account options to match your financial goals and lifestyle. Whether you're looking for no monthly fees, interest-earning options, or premium banking features, our local team in Winnsboro, Louisiana is here to help. Explore our Freedom, Convenience, Premier, Elite, Investment, and Treasury Index accounts to find the perfect fit for you.

Freedom

$100 Minimum to open

Balance Requirement: None
Maintenance Fee: $0

Interest: None

Convenience

$100 Minimum to open

Balance Requirement: $800
Maintenance Fee: $0

Balance Requirement: $300
Maintenance Fee: $3

Balance Requirement: Less than $300
Maintenance Fee: $5

Interest: None

Premier

$100 Minimum to open

Balance Requirement: $800
Maintenance Fee: $0

Balance Requirement: $300
Maintenance Fee: $6

Balance Requirement: Less than $300
Maintenance Fee: $8

Interest: None

Elite

$1,500 Minimum to open

Balance Requirement: $1500
Maintenance Fee: $0

Balance Requirement: Less than $1,500
Maintenance Fee: $9

Interest: Yes

Investment

$2,500 Minimum to open

Balance Requirement: $2,500
Maintenance Fee: $0

Balance Requirement: Less than $2,500
Maintenance Fee: $9

Interest: Yes

Treasury Index

$5,000 Minimum to open

Balance Requirement: $5,000
Maintenance Fee: $0

Balance Requirement: Less than $5,000
Maintenance Fee: $9

Interest: Yes

Frequently asked questions

Checking accounts in detail

Learn more about which checking account is best for you.

Freedom Checking Account

The Freedom Checking Account is perfect for customers who want a simple, no-fee banking experience. This account has no monthly maintenance fees and no minimum balance requirements, making it a great choice for students, retirees, or anyone managing basic daily finances. Enjoy easy access to your funds with online banking, mobile deposits, and a secure MasterCard debit card.

Best for: Everyday spending with no fees

Convenience Checking Account

The Convenience Checking Account is designed for those who prefer to manage their finances digitally. With online statements, mobile banking tools, and optional features like overdraft protection, this account makes banking easy wherever you are. It’s a great option if you want flexibility without needing to visit a branch.

Best for: Digital-first customers who bank online

Premier Checking Account

The Premier Checking Account is ideal for customers who maintain a higher balance and want to earn interest on their deposits. This account includes additional perks like free checks, priority customer service, and interest earnings when minimum balance requirements are met.

Best for: Customers who maintain higher balances and want to earn interest

Elite Checking Account

The Elite Checking Account offers the most benefits for customers who want premium banking features and a more personalized experience. With higher interest rates, exclusive account services, and waived fees on select services, this account is built for serious savers and long-term customers.

Best for: High-value clients seeking premium banking services

Investment Checking Account

The Investment Checking Account combines the flexibility of a checking account with the ability to earn tiered interest, making it ideal for customers who want to keep their funds liquid while still growing their money. This account often benefits those who want to consolidate checking and short-term savings in one place.

Best for: Customers who want tiered interest and liquidity

Treasury Index Checking Account

The Treasury Index Checking Account is tied to the current U.S. Treasury Index, offering interest rates that rise with the market. This account is perfect for customers looking to take advantage of interest rate trends while maintaining checking account access and services.

Best for: Financially savvy customers who want better interest rates

Franklin State Bank in Louisiana