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Choose a savings program to meet your needs and goals:

Traditional Savings

A Traditional Savings Account is still a great way to meet your financial goals. The convenience, flexibility, and liquidity of our savings accounts attract a diverse population of customers.

Our savings account features:

  • $50.00 minimum balance*
  • No limit on number of deposits
  • Maximum of twelve withdrawals per quarter**
  • Pays a great rate! Interest calculated using daily balance method, compounded and credited quarterly
  • Online Banking

To sign up for a savings account, apply now or stop by the bank.

*During any quarterly period in which the average collected balance falls below $50.00, the account will be subject to a $9.00 quarterly maintenance fee. (If you are a minor the fee will only apply if your average collected balance falls below $10.00).

**An activity fee of $1.00 will be charged for each non-ATM withdrawal exceeding twelve (12) per quarter. These twelve (12) withdrawals include regular withdrawals, transfers, and electronic debits.

Takes the Guesswork out of Saving!

Every time you make a purchase with your Flatwater Bank Visa Debit Card, we'll "Round-Up" your purchase amount to the next whole dollar.  The amount in excess of the purchase price is transferred from your checking account to the savings account assigned as your Round-Up Savings account.
Daily Purchase Example:
Coffee $3.71 $0.29
Nail Appointment $37.65 $0.35
New Tire $379.01 $0.99
Total Daily Transfer*

Sign Up Today!

*Round Up amounts will accumulate for one transfer to your savings account per day.  Plus, a summary of your Round Up Savings will show on your checking account statement each month.

Christmas Club Account^

The holiday season can be an expensive time of year. With that in mind, Flatwater Bank offers a special Christmas Club Account. This account is designed for customers to make minimal deposits throughout the year to save for holiday expenses.

Features of the Christmas Club Account include:

  • Pays a great rate!
  • Any dollar amount can be deposited
  • Interest is credited annually (October 31st) and checks are mailed (balance of account) the 1st business day of November.
  • No withdrawals are allowed
  • No service charges

^On all interest bearing savings accounts, interest is accrued daily on the balance of collected funds in the account.

Start Them Young Open a YOUth account today.