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Personal Checking

All of our consumer checking accounts offer the following features for FREE:
ESSENTIAL
CHECKING^
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PIONEER
CHECKING
HORIZON
CHECKING
Interest

(requires 1 ACH and minimum # of debit card purchases)

 - YES w/5 VISA debits YES w/10 VISA debits
Minimum Balance $0 $5001 $2,5001
FREE 1st Box of Checks (specialty gray single copy checks only) - YES YES
School Spirit Debit Card (bank donates $5 to school booster club)star icon $10 $10 FREE
FREE Foreign ATM Fees per cycle2 3 6 12
Foreign ATM Surcharge Rebate3 - $5 $10

RELATIONSHIP BENEFITS
FREE Debit Card Fraud Protection YES YES YES
FREE CyberScout ID Theft Assistance YES YES YES
CD Bonus Rate of .50% - YES YES
Consumer Loan Discount of .25% - YES YES
FREE Safe Deposit Box
for 1 yearstar icon
 - YES YES
FREE Money Orderstar icon - - YES
WAIVED Sweep Fee - 1 per year 2 per year
WAIVED Stop Payment Fee - - 2 per year
star icon Rewards for Age 55+, Active Military, or Veteran
A FREE account for everyone!
  • No minimum balance
  • No monthly service charge
  • Foreign ATM Fees: 3 FREE per statement cycle*
  • FREE Online Statements**


*A Foreign ATM Fee is charged for all foreign ATM transactions which are withdrawals, deposits, transfers, or inquiries at an ATM terminal other than a Flatwater Bank terminal. 3 Foreign ATM Fees will automatically be rebated at the end of the statement cycle. See our Service Charges & Fees Schedule for cost of Foreign ATM Fee.
 
**Online statements are required and must be setup within 60 days of account opening.  Failure to setup online statements will result in a statement fee of $2 per statement cycle.

  • 1st box of personalized checks FREE*
  • Competitive interest
  • Foreign ATM Fees: 6 FREE per statement cycle**
  • Foreign ATM Surcharge Rebate: $5 per statement cycle***
  • Bonus Rate on CD: +.50% above posted rates****
  • Consumer Loan Rate Discount: .25%*****
  • Safe Deposit Box: 1 year FREE on new rentals 
  • Sweep Fee: 1 per year WAIVED
  • Minimum balance:  $500 to avoid $5 maintenance fee per statement

*Specialty gray single copy checks
**A Foreign ATM Fee is charged for all foreign ATM transactions which are withdrawals, deposits, transfers, or inquiries at an ATM terminal other than a Flatwater Bank terminal. 6 Foreign ATM Transaction fees will automatically be rebated at the end of the statement cycle. See our Service Charges & Fees Schedule for cost of Foreign ATM Fee.
*** A Foreign ATM Service Charge is charged by the owner of the ATM terminal (not by Flatwater Bank) and will be rebated when requested by the customer.
****For new CDs only, excludes CD Specials
*****For new loans only.
  • 1st box of personalized checks FREE*
  • Our highest interest checking account
  • School Spirit Debit Card FREE
  • Foreign ATM Fees: 12 FREE per statement cycle**
  • Foreign ATM Surcharge Rebate: $10 per statement cycle***
  • Bonus Rate on CD: +.50% above posted rates****
  • Consumer Loan Rate Discount: .25%*****
  • Safe Deposit Box: 1 year FREE on new rentals 
  • Sweep Fee: 2 per year WAIVED
  • Stop Payment Fee: 2 per year WAIVED
  • Money Orders: FREE
  • Minimum balance:  $2,500 to avoid $10 per statement fee
*Specialty gray single copy checks
**A Foreign ATM Fee is charged for all foreign ATM transactions which are withdrawals, deposits, transfers, or inquiries at an ATM terminal other than a Flatwater Bank terminal. 12 Foreign ATM transaction fees will automatically be rebated at the end of the statement cycle. See our Service Charges & Fees Schedule for cost of Foreign ATM Fee.
*** A Foreign ATM Service Charge is charged by the owner of the ATM terminal (not by Flatwater Bank) and will be rebated when requested by the customer.
****Excludes CD Specials.
*****For new loans only.
  • For Customers 12-19 Years Old
  • Set Savings Goals
  • Use our Mobile App for:
    • Real-Time Spending Alerts
    • Account Balance Tracking
    • Instant Money Transfers
  • No Minimum Balance
  • No Maintenance Fees
  • FREE School Spirit Visa Debit Card
  • FREE Online Statements*
  • FREE Foreign ATM Fees**
  • Foreign ATM Service Charge Rebate: $5 per statement cycle)***

*Online statements are required and must be setup within 60 days of account opening.  Failure to setup online statements will result in a statement fee of $2 per statement cycle.
**A Foreign ATM Fee is charged for all foreign ATM transactions which are withdrawals, deposits, transfers, or inquiries at an ATM terminal other than a Flatwater Bank terminal. Foreign ATM Fees will automatically be rebated at the end of the statement cycle. See our Service Charges & Fees Schedule for cost of Foreign ATM Fee.
*** A Foreign ATM Service Charge is charged by the owner of the ATM terminal (not by Flatwater Bank) and will be rebated when requested by the customer.






See account disclosures for complete details.
 

^Free online statements or $2 for paper statements (Waived for active military, veterans, and customers age 55 years or older.  Please contact the bank to receive this reward).
1 Maintenance fee if balance is not maintained:  $5 Pioneer, $10 Horizon.
2 The bank will allow up to the specified number of foreign ATM fees (per account type) for free on transactions made at ATMs not owned by the Bank (considered foreign ATMs) per statement cycle.  Your account will automatically be credited at the end of each statement cycle.
3 The Bank will rebate foreign ATM surcharges imposed by the ATM owner up to the total dollar amount indicated (per account type) per statement cycle.  Account holder must request rebate each statement cycle.
4 Standard CD rates only.  Excludes CD specials.
5 Requires auto debit on loan payment
6 Free for first year of rental.  New box rentals only, size options based on availability.