Minimum balance to open is $100.00 and makes a Fannin Bank savings account a great way to start saving for your future today. You can make two withdrawals each month at no charge. There is a low $3.00 Excessive Withdrawal Fee per withdrawal over two each month. If your balance does not fall below $100.00 during the statement cycle you pay no service charge fee. If you balance does fall below $100.00 during the statement cycle you will pay a $2.00 Service Charge Fee. Interest is compounded and credited to your account quarterly. If you close your account before the interest is credited you will not receive the accrued interest.