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We are Here for You:

We are all in this together.  Flatwater Bank is ready and able to support clients that have been impacted by the coronavirus.  We plan to work with our customers to find ways we can help.  Talk to us about COVID-19 related issues.  Here are some ways we can help:

  • If you have a hardship that may cause an overdraft, or loan repayment disruption contact us
  • Providing SBA assistance.  Our loan team is prepared to assistance businesses in need in applying for SBA disaster programs
  • Increasing remote deposit limits to ensure customers can deposit checks
  • Waiving early withdrawal penalties for Certificate of Deposits (CDs) and Individual Retirement Accounts (IRAs) for individuals making hardship withdrawals to these accounts
Those impacted by COVID-19 and in need of assistance are encouraged to call or email one of our bankers.

Economic Impact Payments (Stimulus Checks) FAQ: updated 04/02/20

When will my check arrive?
  • The Treasury Department and the Internal Revenue Service announced that distribution of economic impact payments will begin in the next three weeks and will be distributed automatically, with no action required for most people. However, some taxpayers who typically do not file returns will need to submit a simple tax return to receive the economic impact payment.
Who is eligible for the economic impact payment?
  • Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return. 
  • Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.
What do I need to do to receive my check?
  • No action is required for most people as your check will be sent to the direct deposit account listed on your tax return.
I am not typically required to file a tax return. Can I still receive payment?
  • The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2018 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.
How will the IRS know where to send my payment?
  • The economic impact payment will be deposited directly into the same banking account reflected on your filed tax return.
The IRS does not have my direct deposit information. What can I do?
  • In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.
Will anyone be contacting me regarding my stimulus check?
  • If you receive a phone call, text, or email asking for your bank account information, it is an imposter. DO NOT give out your bank account information.
Where can I learn more?
  • The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on IRS.gov/coronavirus rather than calling IRS assistors who are helping process 2019 returns.

Saturday Hours (Gothenburg):

Our drive-thru in Gothenburg will have limited hours starting this Saturday, March 28th.  Our hours will be 10 am to noon.  This change allows us to continue to provide a high level of service to our customers with limited staffing.  Here are other ways to access us during this time.

Lobby Access (M-F):

In accordance with published federal, state, and local guidelines as well as the safety of our Flatwater Bank customers and employees, we will be taking the following precautions as of Wednesday, March 18th:

  • We remain open and your accounts are still accessible, however entry to Flatwater Bank lobbies will be by advance appointment only.  Please call your location to schedule an appointment:
    • Gothenburg Main Bank:  Our drive-thru is open, as well as our night drop and ATM (deposits and withdrawals).  Please call 308-537-7181 for assistance by phone or to schedule an in-person or digital appointment. 
    • Ansley:  Please call 308-935-1700 for assistance by phone or to schedule an in-person or digital appointment.  The night drop is available and being serviced as well as the ATM (deposits and withdrawals) across the street.
    • Brady:  Please call 308-584-3311 for assistance by phone or to schedule an in-person or digital appointment.  Appointments are available Monday, Wednesday, and Friday 9 am - noon.

We want to assure all customers we are still here for your banking needs, we will be here to assist you but feel these actions are necessary in an effort to limit the spread of COVID-19 based on issued guidance. 

If you need any assistance conducting transactions, managing accounts, or signing up for online/mobile banking, our representatives are available to assist you at each branch or by email at mailto:info@flatwater.bank.  

We hope this is a short-term change and wish you and your family good health.


Your Friends at Flatwater Bank

Ways to Access Us:

  • Digital access through online banking or our mobile app:  Using these tools, you can make payments, view transactions, check balances, and even make deposits (using the app).  If you are not enrolled in either, it only takes a few minutes.  Self Enroll Here.
  • ATMs: Our ATMs are available 7 days a week, 24/7 to make inquiries, withdraw funds, or make deposits.
  • Drive-thru: Our Gothenburg location has a drive-thru where we can easily serve you.
  • Appointments by phone or digital: Our bankers are happy to meet with you via phone or computer.
  • Call our branches - we would love to assist you over the phone!

Check back to this page to see if additional measures are added as needs arise to support our clients and communities. 

For additional information about COVID-19, visit the Centers for Disease Control and Prevention website.  If you have any questions or concerns, please don’t hesitate to reach out. Thanks again for choosing Flatwater Bank.


Should I withdraw extra cash?

Four reasons that may be a bad idea.

Some people say you should withdraw cash to protect yourself during the coronavirus outbreak. We wonder, why?

Here are four reasons why withdrawing extra cash may actually not be a great move right now:

  • Cash is vulnerable. Bank accounts are federally insured to $250,000, making them safer than keeping your money under the mattress or in your pocket. If your cash is stolen from your house, car, or wallet, you're out of luck, whereas losses from a stolen debit or credit card can be reimbursed.
  • Cash is not required. With so many secure ways to access your accounts and to pay your bills, there’s almost no reason you’ll need extra cash. The safest choice is to let us keep your money safe in the vault, then pay with your convenient debit or credit card, or write a check, at the store. Plus, you can pay bills and loans online from your Flatwater bill pay account or use the mobile app to deposit checks from home.
  • Cash is tempting. With restaurants, conventions, sports and entertainment centers, and other public places forced to close during the coronavirus outbreak, you may actually need less cash at this time. Unless, of course, you've got it stuffed in your wallet, tempting you to spend money you would not have spent if it were secure in the bank.
  • Cash is, well, kind of dirty. As regards your personal health, the Centers for Disease Control and Prevention recommends always washing hands thoroughly after handling cash, because you never know where it's been. It's a good idea to keep a few dollars on hand for small purchases but carrying around your personal savings will not protect you from viruses or financial hardship.
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