Flatwater Bank

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15-month bump-up CD Special

Now Offering 5.30% APY With The Option to Bump-Up Your Rate 



PERSONAL CHECKING ACCOUNT

Can't Get to the Bank? Apply Online 



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Agriculture

Still Committed to Agriculture








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Welcome to

Flatwater Bank

We are proud to be your community bank.  We are family owned and work hard to offer our customers the very best in banking. Please give us a call, contact us, or explore our site to learn how we can serve your banking needs.
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Financial Calculators

Use one of our many online calculators to help you make smart financial decisions.

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Mobile App

Our mobile app makes it easy to check balances, make transfers, deposit checks, and more!

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Lost or Stolen Card

Don’t stress. If your card has been lost or stolen, let us know and we’ll help you take the next steps.

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Our experienced team of professionals has tips and tricks to help make your banking and money management easier.

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Youth Savings

We make saving fun! It’s never too early to create healthy money management habits.

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Retirement

Create long-term goals so you can reach your golden years with ease. We’re here to help!

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Online statements

Save trees, save time, save space

 Say goodbye to paper statements and hello to online!  Anywhere, anytime access to your statements with no extra charge or hassle.

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Flatwater mobile app

The Branch That Never Closes.


Download our mobile app for Apple or Android smartphones and tablets!

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Flatwater Social Media

We're Social.


Connect with us on your favorite social media sites!

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Flatwater checking

Which Account is Right For You?


Flatwater Bank offers a variety of checking accounts to simplify your finances and meet your everyday banking needs.

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Happening, headlines and insights

We've carefully crafted helpful articles, and event to help keep you informed.

Pay anyone, anywhere. Sign-up for Flatwater Bank Bill Pay and pay bills from your computer or our mobile app.

Explore bill pay
Use our mortgage refinance calculator to see if refinancing your mortgage is right for you.  Or, give our mortgage department a call and we'll help you explore options.

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Flatwater Bank has partnered with Cyberscout to help keep you secure.  If you think you might be a victim of identity theft we can help.

Learn how we have you protected