Son hugging father in doorway

Personal Checking

All of our consumer checking accounts offer the following features for FREE:

A FREE account for everyone!
  • No minimum balance
  • No monthly service charge
  • Foreign ATM Fees: 3 FREE 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 per statement fee
*Specialty gray single copy checks
**Excludes CD Specials
  • 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
**Excludes CD Specials
  • 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.