All of our consumer checking accounts offer the following features for FREE:
- Online & Mobile Banking with Bill Pay
- Instant Issue Visa Debit Card
- Round-Up Savings Plan Option
- Debit Card Fraud Monitoring
- Overdraft Privilege Consideration
- Online Statements with Check Images
- Low Opening Balance ($50)
- ID Theft Assistance
Essential Checking
A FREE account for everyone!
- No minimum balance
- No monthly service charge
- Foreign ATM Fees: 3 FREE per statement cycle
Pioneer Checking
- 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 per statement fee
*Specialty gray single copy checks
**Excludes CD Specials
**Excludes CD Specials
Horizon Checking
- 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
**Excludes CD Specials
teen checking
- For Customers 12-19 Years Old
- Set Savings Goals
- 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.
