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Personal Checking

We have checking options perfectly suited for everyone.

We have a number of different accounts.  Choose the one that best fits your needs.




MOST POPULAR
EARNS INTEREST
PREMIUM

Essential Checking

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An account with all the essentials and no minimum balance.^

Pioneer Checking

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Earn interest with a low minimum account balance.

Horizon
 Checking

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A high value account with expanded benefits and premium interest.
 

 

 

 


 
FOR YOUNG ADULTS

Teen Checking

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No monthly maintenance fees  with online statements^, no foreign ATM fees.



Plus, all of our consumer checking accounts

include the following features:
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 benefit.


An account with all the Essentials for everyone!
  • No Minimum Balance
  • No Monthly Service Charge
  • Foreign ATM Fees: 3 FREE Per Statement Cycle 1
  • Online Statements: FREE 2

1 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.
 
2 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.

  • Complimentary Box of Personalized Checks1
  • Competitive Interest
  • Foreign ATM Fees: 6 FREE Per Statement Cycle 2
  • Foreign ATM Service Charge Rebate: $5 Per Statement Cycle 3
  • Bonus Rate on CD: +.50% Above Posted Rates 4
  • Consumer Loan Rate Discount: .25% 5 
  • Safe Deposit Box: 1 Year FREE on New Rentals 
  • Sweep Fee: 1 Per Year WAIVED Upon Customer Request
  • Minimum Balance:  $500 to Avoid $5 Maintenance Fee Per Statement
1 Specialty gray single copy checks
2 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.
3 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.
4 For new CDs only. Excludes CD Specials
5 For new loans only. Requires automatic debit on loan payment.
  • Our Highest Interest Checking Account
  • Complimentary Box of Personalized Checks1
  • School Spirit Debit Card: FREE
  • Foreign ATM Fees: 12 FREE Per Statement Cycle 2
  • Foreign ATM Service Charge Rebate: $10 Per Statement Cycle 3
  • Bonus Rate on CD: +.50% Above Posted Rates 4
  • Consumer Loan Rate Discount: .25% 5
  • Safe Deposit Box: 1 Year FREE on New Rentals 
  • Sweep Fee: 2 Per Year WAIVED Upon Customer Request
  • Stop Payment Fee: 2 Per Year WAIVED Upon Customer Request
  • Money Orders: FREE
  • Minimum Balance:  $2,500 to Avoid $10 Maintenance Fee Per Statement
 
1 Specialty gray single copy checks
2 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.
3 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.

4  For new CDs only. Excludes CD specials .
5 For new loans only. Requires automatic debit on loan payment.

  • For Customers 12-19 Years Old
  • Set Savings Goals Using Oneview
  • Use Our Mobile App for:
    • Real-Time Spending Alerts
    • Account Balance Tracking
    • Instant Money Transfers
  • No Minimum Balance
  • No Maintenance Fees
  • School Spirit Visa Debit Card: FREE 
  • Online Statements: FREE 1
  • Foreign ATM Fees: FREE 2
  • Foreign ATM Service Charge Rebate: $5 Per Statement Cycle 3
1 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.
2 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.
3 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.