Account openings and credit are subject to bank approval.
For complete list of account details and fees, see our Personal Account Disclosures.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Paperless statements are required. To be eligible for Free Checking, you must sign up to receive Fosterr paperless statements within 60 days of account opening. If you do not sign up and receive paperless statements, your account will be converted automatically and without prior notice to you to a Select Checking account and will be subject to the fees and charges applicable to a Select Checking account. The applicable fees and charges will be debited from your account without further notice to you and will appear on your account statement. If you overdraw your account, fees may apply. Refer to our Personal Account Disclosures for full details.
Avoid the $18 monthly fee when you meet any one of these criteria: $5,000 combined daily balance on select accounts (Premier Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $4,000 in monthly ACH direct deposits, EquityLine of at least $25,000, or $10,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that Fosterr does not retain servicing]).
Avoid the $25 monthly fee when you meet any one of these criteria: $25,000 combined daily balance on any Fosterr deposit account (Prestige Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $6,500 in monthly ACH direct deposits, EquityLine of at least $100,000, $25,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that Fosterr does not retain servicing]).
If the available funds in your account are insufficient to pay an item when presented, Fosterr Bank will make a decision on whether to pay the item or return it unpaid. When we pay an item for which there are insufficient funds, it results in an overdraft. The following overdraft fee structure applies to eligible Consumer accounts: Fosterr Bank will charge you $10 each time we pay an item resulting in an overdraft, up to our limit of four (4) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less, nor for items returned unpaid. You are obligated to pay overdrafts immediately. Consumers have the option to decline overdraft service. Fosterr Bank also offers overdraft protection programs, though none is available on the Together Card. Please see our Deposit Account Agreement for additional details.
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Bank deposit products are offered by Fosterr Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.