All of our consumer checking accounts offer the following features for FREE:
- Online & Mobile Banking with Bill Pay
- Instant Issue Visa Debit Card with fraud monitoring
- Round-Up Savings Plan Option
- Online Statements with Check Images
- ID Theft Assistance
- Low Opening Balance ($50)
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ESSENTIALCHECKING^Apply Now |
PIONEERCHECKING |
HORIZONCHECKING |
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)![]() |
$10 | $10 | FREE |
FREE Foreign ATM Fees per cycle2 | 3 | 6 | 12 |
Foreign ATM Surcharge Rebate3 | - | $5 | $10 |
RELATIONSHIP BENEFITS |
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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 year ![]() |
- | YES | YES |
FREE Money Order![]() |
- | - | YES |
WAIVED Sweep Fee | - | 1 per year | 2 per year |
WAIVED Stop Payment Fee | - | - | 2 per year |
Rewards for Age 55+, Active Military, or Veteran
- 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.
- 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
*****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
*****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)***
^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.