Checking & Savings

Franklin Templeton Bank & Trust Deposit Accounts

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Customer service

877/664-4286

Email us

ftbanksupport@frk.com
replies issued within one business day

Report lost/stolen debit cards

800/554-8969

24 hours
7 days

Franklin Templeton Bank & Trust offers a range of FDIC-insured deposit products to meet the high standards of our clients.

Certificates of Deposit
High Return Checking
Classic Checking
Money Market Interest Plus

Certificates of Deposit

If you are looking to include an FDIC-insured vehicle that earns competitive yields, our Certificates of Deposit can be an effective addition to your financial plan.

Competitive fixed rates on deposits of $2,500 to $97,999
Terms of up to 5 years¹
Interest compounded daily and paid monthly, quarterly or at maturity²
Jumbo CDs available for amounts of $98,000 and over
FDIC-insured up to federal limits

High Return Checking

Earn interest on your balance while maintaining many convenient benefits, including a MasterCard^® debit card.

Attractive rates
Free checks and unlimited check writing
Fees for use of other banks' ATMs reimbursed for up to $6 per month
Convenient access to your account online, anytime
Free online bill pay service
No monthly service charge when maintaining a $1,500 minimum balance³
Only $100 required to open an account
FDIC-insured up to federal limits

Classic Checking

With Classic Checking you receive a package of valuable services to meet your checking needs.

Free checks and unlimited check writing
Fees for use of other banks' ATMs reimbursed for up to $6 per month
Convenient access to your account online, anytime
Free online bill pay service
No monthly service charge when maintaining a $500 minimum balance or a regularly scheduled direct deposit⁴
Only $100 required to open an account
FDIC-insured up to federal limits

The Money Market Interest Plus account can be a convenient alternative to a money market mutual fund if you desire FDIC insurance plus more frequent access to your assets. This account provides competitive yields with no minimum withdrawal amounts. Up to six withdrawals are permitted per month.⁵

Competitive interest rates
Higher rates earned on higher balances
Up to six withdrawals per month⁵
Free checks and check writing (up to six checks allowed per month)⁵
Convenient online account access
No monthly service charge when maintaining a $2,500 minimum balance
FDIC-insured up to federal limits

Footnotes

1.	Substantial penalty for early withdrawal applies.
2.	Interest payments may be made by check when interest is paid quarterly or at maturity.
3.	If your account balance falls below the required minimum balance, a $10 service fee will be applied
4.	If your account balance falls below the required minimum balance, a $7 service fee will be applied.
5.	If your account balance falls below the required minimum balance, a $9 service fee will be applied. Federal regulations limit the number of transfers you may make from the MMIP account. You may not make more than an aggregate total of six (6) transfers or withdrawals from your account during an account statement period to third parties or another account at the bank (including another in your name). This limit applies to transfers or withdrawals made by check, debit card for POS sales, a preauthorized (including bill payments to third parties) or automatic transfer (including overdraft coverage), and one-time transfers to third parties requested by means of telephone (including fax), computer (on-line) or other electronic device. A $5.00 transaction fee will be charged for each withdrawal that exceeds this limit, and if you exceed this limit repeatedly, federal law may require us to close or convert your account to a checking account. If we convert your account, your new account will be subject to the fees and earnings rules of the new account classification. This limitation does not apply to withdrawals made by you in person or at an ATM, or a withdrawal made by bank check payable le to you.

Additional Resources

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Deposit account terms