Penny's Savings Club FRANDSEN BANK & TRUST A FUN SAVINGS CLUB FOR KIDS 0-14 FREE piggy bank with new Penny's Savings accounts. No minimum balance requirements to earn interest. Visit your local Frandsen office for details on local club activities that may include prizes, fun events, and contests! BAXTER CROSSLAKE NISSWA | frandsenbank.com Member FDIC Real people. Real results.