An open book being held in a woman's hands

Covid19 Resources

We're Here for You

We're 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 assist businesses in need in applying for SBA disaster programs
  • Increasing remote deposit limits to ensure customers can deposit checks
  • Waiving early withdrawal penalties for certificates of deposit (CDs) and Individual Retirement Accounts (IRAs) for individuals making hardship withdrawals from these accounts

 Those impacted by COVID-19 and in need of assistance are encouraged to call or email one of our bankers.


Phase I Lobby Re-Opening
Beginning Monday, June 8, 2020, Flatwater Bank is taking a phased approach to reopening our lobbies.  As we begin this process, we ask that our customers please consider their own health and banking needs before deciding to enter our bank lobbies.  When you visit a branch, you may notice several changes to our procedures in order to best protect our customers and employees:
  • We are installing plexiglass shields at all teller stations as well as providing hand sanitizer at each location. 
  • Face masks are not required; however, we encourage them. 
  • Customers are encouraged to take the bank pen with them following their visit.  Any pens left behind by a customer will  be sanitized. 
  • We will temporarily suspend the service of coffee and treats in all branches.
  • Social distancing will be encouraged by using markings on the floor.
  • All non-teller transactions (meeting with a loan officer, safety deposit box, or CD purchases or renewals) will be by appointment-only (we are glad to conduct these face-to-face --or via an online meeting).  Please contact your local branch to schedule appointments.
  • If you have scheduled an appointment, you will be met in the lobby to be screened.
  • Surfaces will be cleaned after each appointment.
  • Our employees will wear masks anytime they are within a 6- foot distance of a customer for an extended period of time.
  • We continue to frequently clean and disinfect surfaces in high-traffic/touch areas at all locations and deep clean each night. 
Below are details by location:
The drive-up at our main location in Gothenburg will continue to be fully-staffed.  We will continue to use the night drop for customers who do not wish to enter the bank.  We encourage customers to utilize these options as well as online banking and our mobile app, whenever possible.
Current lobby hours are as follows:
9 am – 10 am – reserved for seniors and those at most risk
10 am – 4 pm (Monday – Friday) regular lobby hours
The walk-up entrance (main location) will be locked to control social distancing
The Drive thru will be open Monday – Friday 8:00 am – 5:00 pm and Saturday 10:00 am – 12:00 pm.
We will continue to use the night drop for customers who do not wish to enter the bank.  We encourage customers to utilize this option as well as online banking and our mobile app, whenever possible.
Current lobby hours are as follows:
9 am – 10 am – reserved for seniors and those at most risk
10 am – 12:30 pm and 1:30 pm - 4:30 pm (Monday – Friday) regular lobby hours
We will continue to use the night drop for customers who do not wish to enter the bank.  We encourage customers to utilize this option as well as online banking and our mobile app, whenever possible.
Current lobby hours are as follows:
9 am – 10 am – (Monday - Friday)  reserved for seniors and those at most risk
10 am – 5 pm Monday
10 am – 4 pm Tuesday - Friday
Flatwater Bank is committed to you, your health and safety.  We value your banking relationship and your trust in us as a financial partner.  As this situation is constantly changing, we encourage you to visit our website and follow us on social media for the most up-to-date information.  Our team will continue to stay in touch with the latest developments and pass those on to you as necessary.

Other 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 conference.
  • Call our branches - we would love to assist you over the phone!
The IRS is committed to helping get your Economic Impact Payment as soon as possible. 
When will my check arrive?
The Treasury Department and the Internal Revenue Service have a website dedicated to Economic Impact Payments.  Visit this site to see when you will get your payment and for non-filers, enter your payment information.  

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 rather than calling IRS assistors who are helping process 2019 returns.
Economic Impact Payments to Deceased Persons

Thousands of deceased taxpayers inadvertently received Economic Impact Payments from the Internal Revenue Service (IRS) under the Coronavirus Aid, Relief, and Economic Security Act and the CARES Act did not specify whether these funds may be lawfully retained.

The IRS clarified on May 6, 2020, that Economic Impact Payments issued to deceased individuals must be returned per the "Economic Impact Payment Information Center" on the IRS website:

"A Payment made to someone who died before receipt of the Payment should be returned to the IRS by following the instructions [below]. Return the entire Payment unless the Payment was made to joint filers and one spouse had not died before receipt of the Payment, in which case, you only need to return the portion of the Payment made on account of the [deceased taxpayer]. This amount will be $1,200 unless adjusted gross income exceeded $150,000."

If the payment was direct deposit:

The bank can return the payment if the deposit was not combined with a joint owner who is still living.  If it is combined with a joint owner of the account, the payment will need to be submitted by personal check. See Instructions below.

If the payment was a paper check:

  • Write "Void" in the endorsement section on the back of the check.
  • Mail the voided Treasury check immediately to the appropriate IRS location. For Nebraska: Kansas City Internal Revenue Service, 333 W. Pershing Rd., Kansas City, MO 64108.
  • Don't staple, bend, or paper clip the check.
  • Include a note stating the reason for returning the check. 
If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:
  • Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.
  • Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number,  or individual taxpayer identification number) of the recipient of the check.
  • Include a brief explanation of the reason for returning the EIP.
As part of the CARES Act, people with federally held student loans are getting automatic forbearance until the end of September. That means loans are temporarily suspended and interest will not accrue through Sept. 30. The suspension is retroactive to March 13.
Do my loans qualify for this temporary relief?
Most federal loans qualify, but not all. To get the automatic relief, your loan needs to be both federal and federally held-meaning your lender is the federal government and not a bank or commercial lender. If you're not sure what kind of loan you have, you can ask your servicer or log in to and look at your lender.
My loan qualifies. Do I have to do anything to get this relief?
No. It will happen automatically, you don't have to ask. If you haven't heard from your servicer yet, don't worry but do keep an eye on statements in the coming weeks to confirm the interest has been paused.
My loan doesn't qualify. Do I have options?
Yes. What those options are depends on what type of loan you have and on your financial situation. Your best option is to call your lender. Many lenders are trying to be as flexible as possible during this time. 
What if I'm pursing Public Service Loan Forgiveness? Do I need to keep paying?
No. If you’re working toward PSLF, these six months will count toward your 120 payments, even if you don’t pay a dime. As long as you’re still working full-time for an eligible employer.
I still have a job and can afford to keep making payments. Should I?
It depends on your circumstances. Experts suggest tackling other debt and building a solid emergency fund first. Then, make payments to your zero interest student loans if you feel comfortable.
Economic Impact Payments (Stimulus Checks) FAQs: updated 04/02/20

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
Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). The EIP Card is sponsored by the Treasury Department’s Bureau of the Fiscal Service as part of the US Debit Card Program. If you’ve received your card, here's how to get started and options to use it.
 Get started:
  • Read the Cardholder Agreement and Fee Schedule
  • Activate your EIP Card account, set your 4-digit PIN and get your balance by calling 1.800.240.8100
  • Sign the back of your EIP Card
  • Keep your EIP Card number in a safe place
The EIP Cards are mostly free to use and have no monthly maintenance fees. But there are certain card provider fees associated with the cards that consumers need to be aware of.
You may be charged a card provider fee for:
Bank/teller over-the-counter withdrawals. If you withdraw cash directly from a bank teller, your first withdrawal up to $2,500 per transaction and per day, will be free—but additional transactions will cost $5 each.
Out-of-network ATM withdrawals. If you use an out-of-network ATM to withdraw cash from your EIP Card, your first domestic withdrawal will be free, but any withdrawal after that will cost $2. Foreign ATM withdrawals will cost $3 each, including the first transaction. Keep in mind you also may be charged a fee by the ATM operator. You can avoid these fees by using one of the 55,000 AllPoint brand in-network ATMs. To find an in-network ATM, download the Money Network Mobile App, visit or call the customer service number at (800) 240-8100. 

ATM balance inquiries. Most ATMs will ask you if you want to check your card balance before making a withdrawal. However, each time you check your account balance on your EIP card via ATM, you will be charged 25 cents (on both in-network and out-of-network ATMs). You can avoid this charge by checking your account balance online or by calling the Money Network Financial customer service number 1-800-240-8100.

A request for a new card. If you lose your card or it gets stolen, getting a new one will cost you. The standard reissuing fee is $7.50 with a shipping time of seven to 10 days. You can expedite the process via priority shipping for an additional $17 (for a total of $24.50), and your new card will ship within four to seven days.

If you have questions about how to utilize your card and avoid fees, call us at 308-537-7181 and one of our team members will help you review your options. You can learn more about how and where to use your EIP Card at