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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
EARN CASH BACK
REALLY HIGH INTEREST 

Essential Checking

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

CashBack Checking

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Choose free checking that pays you back.
 

HighYield
 Checking

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Get paid to bank local with free high-yield checking.
 

 

 

 


 
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.

  • Free checking that pays you back
  • Get 5.00% cash back on debit card purchases1
    • No category restrictions on purchases
    • Cash back earned on as much as $200 in purchases monthly
    • Earn as much as $120 cash back per year, $10 per month 2
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly) 3
  • Link to free HighYield Savings to build savings automatically 4
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • $50 minimum deposit to open
 
1 When CashBack Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200 signature-based card purchases that post and settle to the account during that cycle period.
 
2A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle.
 
3 You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your CashBack Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees/surcharges, imposed by other financial institutions, based on estimates when the withdrawal information we receive does not identify the specific ATM withdrawal fee/surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive a transaction receipt within sixty (60) calendar days of the withdrawal transaction.
 
4 When your linked CashBack Checking or HighYield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your HighYield Savings account earn an APY of 2.00% and daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. A CashBack Checking or HighYield Checking account is required to have a HighYield Savings account.
  • Free checking that pays high interest
  • 5.00% APY1 on balances as much as $25,000
  • 5.00% to 1.40% APY on balances over $25,000 depending on balance in account2
  • 0.05% APY on all balances if qualifications aren't met 3
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)4
  • Link to free HighYield Savings to build savings automatically5
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • $50 minimum deposit to open
 
1 Annual Percentage Yield
2 When your HighYield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your HighYield Checking account earn an interest rate of 4.8889% resulting in an APY of 5% and daily balances over $25,000 earn an interest rate of 0.50% on the portion of the daily balance over $25,000 resulting in a range from 5.00% to 1.40% APY depending on the account's daily balance.
 
3 When your HighYield Checking qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your HighYield Checking account on the last day of the current statement cycle.
 
4 You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your HighYield Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees/surcharges, imposed by other financial institutions, based on estimates when the withdrawal information we receive does not identify the specific ATM withdrawal fee/surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive a transaction receipt within sixty (60) calendar days of the withdrawal transaction.
 
5 When your linked HighYield Checking or CashBack Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your HighYield Savings account earn an APY of 2.00% and daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. A CashBack Checking or HighYield Checking account is required to have a HighYield Savings account.
  • 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.