Limited-Time Offer — Ends June 30, 2026
Get a $350 Checking Account Bonus & Earn 3.50% APY
Open a new FSB Rewards Checking account, meet the simple monthly requirements, and earn your bonus* plus 3.50% APY** on your qualifying balances.
Sweet Enough to Switch
A checking account worth making the move for.
$350
Account Bonus* for qualifying new customers
3.50%
APY** on qualifying
balances up to $20,000
balances up to $20,000
- $1,000 minimum opening deposit
- No monthly fee with $1,000 daily balance
- 5 free non-FSB ATM withdrawals per cycle
- Locally owned bank since 1927
Limited-time offer. Apply by June 30, 2026 to earn your $350 account bonus.*
★★★★★
Based on 639 Google reviews
99
Years serving
Eastern Iowa
Eastern Iowa
7
Branches across
Eastern Iowa
Eastern Iowa
Local
Decisions made
by your neighbors
by your neighbors
High-Yield Rewards Checking Account
$350 to Start, 3.50% APY to Stay
Here for the Bonus?
Open a qualifying FSB Rewards Checking account before June 30, 2026 and meet the monthly requirements. Your $350 bonus is paid within 90 days. It is a one-time reward for making the switch, and it is yours to keep.
Ongoing Earnings
3.50%
APY on Balances Up to $20,000
Here for the Rate?
Earn 3.50% APY on your everyday balance every cycle you meet the simple requirements. Most checking accounts earn nothing. FSB Rewards Checking works every month you qualify, as long as you keep the account open.
Checking Account Earnings in Year One
See what the full offer adds up to for a customer who qualifies for the maximum from day one.
$350* New Customer
Account Bonus
Account Bonus
+
$700 APY Earnings on
$20,000 Balance
$20,000 Balance
=
$1,050 Total First-Year
Value
Value
APY earnings are calculated using a $20,000 balance maintained at 3.50% APY for 12 months with qualifying requirements met each cycle. Actual earnings will vary based on your daily account balance and whether requirements are met each statement cycle.
Bonus Requirements
Two Ways to Earn With FSB
Direct deposit and eStatements put you in line for the $350 bonus. Keep those in place and use your debit card each cycle to earn 3.50% APY on qualifying balances.
$350* One-time bonus when the account requirements are met.
3.50% APY earned each cycle when the monthly requirements are met.
Requirement
$350 Bonus
3.50% APY
Qualifying direct deposit Set up a qualifying direct deposit of $500 or more.
✓
✓
eStatements Enroll in electronic statements when you open your account.
✓
✓
Debit card purchases Make at least 15 debit card purchases of $20 or more each statement cycle.
✓
Start Earning With Our High-Yield Checking Account
Open your FSB Rewards Checking account online, fund it with $1,000, and set up the account features that help you qualify for the bonus and the rate.
Apply Online1
Open your account online
Open your High-Yield Rewards Checking Account with $1,000 to get started.
2
Set up the bonus requirements
Set up direct deposit and enroll in eStatements to meet the monthly requirements.
3
Use your debit card each cycle
Make at least 15 debit card purchases of $20 or more each cycle to qualify for interest.
What FSB Customers Say
Real feedback from people who bank with FSB in Eastern Iowa.
★★★★★
Love my new bank account with FSB. They are understanding, helpful, and focused on their clients' wellbeing.
★★★★★
I’ve had my account with FSB for about five years, and I’ve never been disappointed. The team is always outstanding, caring, and willing to go the extra mile.
Open a Rewards Checking Account Today
Earn a $350 account bonus and 3.50% APY when you open a qualifying FSB Rewards Checking account. This offer ends June 30, 2026.
Apply Online*New account bonus for new checking account customers who meet the promotion requirements. You must open a new Rewards Checking account with $500+ in ongoing direct deposit and enroll in eStatements. Bonus paid within 30 days if qualifiers are met and used regularly. Limit one bonus per household. Subject to approval and 1099 reporting. Cannot be combined with other offers. $1000 minimum opening deposit. $5 Monthly Maintenance Fees plus applicable sales tax applies if $1,000 minimum daily balance is not maintained. Must be 18 or older. Offer ends 06/30/2026. Additional terms apply.
**APY = Annual Percentage Yield. Rewards Checking is an interest-bearing account. To earn the premium rate, you must have 15 POS transactions over $20, have direct deposit, and be enrolled in eStatements. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change at any time at the Bank's discretion. Account interest will accrue no later than the business day we receive credit for non-cash items (for example, checks) deposited into your account. If you close your account before interest is credited, you will receive the accrued interest. Interest will be compounded monthly and will be credited to the account monthly. See FSB’s Rate Chart for current rates and annual percentage yields. A premium interest rate will apply to this account if the minimum requirements are met. Additional terms apply.
