Personal Banking in Eastern Iowa
Where Everyday Banking Pays Extra
Earn up to 3.50% APY with FSB’s Rewards Checking. It’s simple to qualify and rewarding to use.
APY = Annual Percentage Yield
Earn More When You Refer
You and your friend each get a $1001 bonus when they open a checking account with the required services.
Start the New Year Strong
Set your financial goals in motion with a free Financial Fitness Assessment from FSB. Our team is here to help you!
Personal Banking Accounts for Every Stage of Life
As a trusted financial partner, FSB is committed to providing convenient and reliable solutions that allow you to manage your finances easily. Explore FSB’s services tailored to your needs!
Why Iowa Families Choose FSB
At FSB, personal banking is more than a service, it's a relationship! We're a family-owned community bank serving Cedar Rapids, IA, and surrounding communities for over 95 years.
What Sets Us Apart:
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Local Decisions, Local People: Your banker knows your name and your community. Loan decisions are made right here in Iowa.
- No Surprises: Straightforward accounts with clear terms. No hidden fees, no fine-print catches.
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Competitive Rates: Earn more with Rewards Checking, plus CD specials and savings rates that keep your money working.
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Bank Your Way: Full online & mobile banking with mobile deposit, bill pay, and real-time alerts, backed by in-house customer service.
- Giving Back: Over $200,000 donated and thousands of volunteer hours contributed to Eastern Iowa communities each year.
Personal Banking Accounts for Every Stage of Life
Whether you are opening your first account or managing retirement savings, FSB has an account built for you.
Checking Accounts
Find the right fit from five checking options, including Rewards Checking with up to 3.50% APY. Whether you need everyday free checking or an interest-bearing account, FSB has an option built for you.
Savings Accounts
Start building with a savings account that earns competitive rates and has no minimum balance to open. Set up automatic transfers from checking and watch your balance grow.
CDs, IRAs, and HSAs
Lock in a guaranteed rate with a CD, save for retirement with a Traditional or Roth IRA, or set aside pre-tax dollars for healthcare with an HSA. All FDIC-insured.
Money Market Accounts
Earn higher rates on larger balances while keeping your funds accessible. FSB money market accounts combine the growth of a savings account with the flexibility of checking.
Credit Cards
Earn rewards on everyday purchases with an FSB Visa credit card. No annual fee, fraud protection, and local service if you ever have an issue.
Personal Banking FAQs
What do I need to open a personal bank account at FSB?
Bring a valid government-issued photo ID and your Social Security number. You can open most accounts online or at any of our seven Eastern Iowa branches. There is no minimum deposit required to open a standard savings or free checking account.
Does FSB charge monthly maintenance fees?
FSB's Free Checking account has no monthly maintenance fees. Other accounts may have fees that can be waived by meeting simple requirements. Your banker will walk you through the details so there are no surprises.
Can I manage my FSB accounts from my phone?
Yes. FSB's mobile app lets you deposit checks, transfer funds, pay bills, set up alerts, and view account activity. Download it from the App Store or Google Play.
How do I switch my bank account to FSB?
FSB makes switching simple. Our team will help you move direct deposits, automatic payments, and recurring transfers. Visit any branch or call (319) 377-4891 to start the process.
Are FSB accounts FDIC insured?
Yes. All FSB deposit accounts are FDIC insured up to $250,000 per depositor, per account category. Use the FDIC's Electronic Deposit Insurance Estimator to verify your coverage.
Featured Personal Banking Rates
Secure your savings with guaranteed interest rates, flexible terms, and personalized guidance to help your money work for you!
Your Local Partner for Personal Banking in Iowa
From managing everyday expenses to planning for the future, FSB offers valuable resources to help you at every step. Explore popular blog posts for tips, strategies, and advice for your banking needs.
Give your children a head start on their financial future—learn why early financial education is crucial and how to make money lessons a natural part of growing up.
Key Topics:
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Why it’s important to talk about money with your kids
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6 practical ways to introduce financial concepts
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The different youth accounts FSB offers to support your child’s financial growth
Take control of your financial future—evaluate your financial health and uncover what true stability looks like. Discover the key indicators and common obstacles to help you determine if you’re on the right path.
Key Topics:
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Defining what financial stability really means
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Key signs that you’re financially stable
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Common challenges to achieving financial stability
With rising prices hitting everyone’s wallet, it’s essential to protect your hard-earned money. Get practical tips to help you manage your finances and stay on track in today’s economy.
Key Topics:
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How inflation impacts your daily life
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4 key steps to help you combat inflation
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Strategies for navigating financial uncertainty
Dial FSB at (319) 377-4891 for immediate assistance.
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