PERSONAL BANKING / Liberty Junior Savings (A Custodial Account) LIBERTY JUNIOR SAVINGS This type of savings account is opened by parents of a minor in order to build up a fund for future needs. Often the account is opened for educational purposes. Minimum Account Opening Balance - $1.00 Online Banking Bank-By-Mail Unlimited Monthly Teller Transactions (1) 3 Withdrawals/Quarter (2) Interest Earned on Account Balance (1) Teller transactions include deposits, withdrawals, transfers, and service balance inquiries at a First Citizens Bank branch or Drive Through that could have been made online or at an ATM. (2) There is a limit of three withdrawals during each quarter. An excess withdrawal fee of $1.00 will be assessed for each withdrawal in excess of the three allowed.