Flatwater Bank Checking Special

Get up to $400 cash1

in your pocket for switching to a Flatwater Bank checking account. Bonus varies based on the account selected.2 See all terms and conditions.

We have checking options perfectly suited for everyone. 



You've heard it right.  Our Big Benny bonus allows you to get up to $400 cash1,2 in your pocket for switching to a Flatwater Bank checking account.

Plus, get 4.00% APY with qualifying activities3 on balances up to $25,000 if you choose Horizon Checking. 

Choose the account that best fits your needs:


MOST POPULAR
EARNS INTEREST
PREMIUM

Essential Checking

 $100 Bonus1,2

Symbol of a check mark
An account with all the essentials and no minimum balance.^

Pioneer Checking

$200 Bonus1,2

Icon of hand holding money
Earn interest with a low minimum account balance.

Horizon
 Checking

$400 Bonus1,2

A high value account with expanded benefits and premium interest.
 

 

 

 


 


Plus, all of our consumer checking accounts

include the following features:
Low Opening Balance ($50)

Terms & Conditions
  1. Bonus is for new consumer checking customers who open a consumer checking account by 8/31/2024 and meet bonus requirements. Limit one bonus per person and account. Bonus criteria: The account must be in good standing. Enter “Get400” if opening online or mention the promotion when opening at any branch. Must have one reoccurring qualifying direct deposit set up and credited to the account for three consecutive statement cycles (months) following the account opening month. Qualifying direct deposits are defined as deposits from an employer, payroll provider, benefits provider, pension, or government (such as social security) via ACH deposit.

  2. Bonus tiers are as follows: Essential Checking: $100, Pioneer Checking: $200, Horizon Checking: $400. Bonus will be reported to the IRS as taxable income. Bonus payment: Bonus will be deposited within 30 days of meeting bonus requirements. View full account details at https://flatwater.bank/personal/comparechecking.

  3. 4.00% annual percentage yield on Horizon Checking. To qualify for this rate, account must have at least 1 direct deposit or electronic debit (ACH), and at least 10 debit card purchases with a minimum of $1 per transaction per statement cycle. If qualifications are not met, and for balances above $25,000, the rate will be 0.15% APY. $10 maintenance fee if balance falls below $2,500. 0.25% APY on Pioneer Checking. To qualify for this rate, account must have at least 1 direct deposit or electronic debit (ACH), and at least 5 debit card purchases with a minimum of $1 per transaction per statement cycle. $5 maintenance fee if balance falls below $500.  Rates are effective 05/15/2024. Rates are subject to change. Fees may reduce earnings.  No minimum balance to obtain stated APY.  Minimum to open account is $50.
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.