I opened a small checking and savings account with FSNB at the local Walmart in Flowood, MS. I was told that as long as there was a $100 balance, there would be no fees. Low and behold not only did they get the balance from the checking but also the savings account has dwindled til it is virtually gone. The savings account was opened for a ggrandson who saved the money in his piggy bank until I took it to this bank. CRAZY. I will never trust these folks and would advise everyone who wants to keep their money, to find another bank. sara Mohead