FOSA ACCOUNTS Front Office Savings Account is suitable for clients/Members who operate savings account that can be withdrawn any time without restrictions. Account Opening Zero rated registration fees.Minimum Account Balance; Personal account KSH. 500/=, Joint/Group/Institutional Accounts KSH. 1000/=. Loans Associated with FOSA Biashara Loan.Biashara Loan Reducing.Pay slip Loan.Asset Finance Loan; Land / Car.