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Essential Checking


A personal checking account with all the Essentials.

Flatwater Bank:  Your Trusted Partner for Personalized Banking
Are you tired of hidden fees and complex banking terms? Open a checking account with Flatwater Bank and experience transparent and straightforward banking. Our personal checking account is tailored for those who value simplicity and efficiency. With free online banking, you can keep track of your finances at your convenience. It's time to make a change today and choose a bank that truly understands your needs.

Quick, Easy, and Efficient: Open Your Account with Flatwater Bank Today
We believe in making things easy for our customers. That's why we offer an easy online account opening process. In just 10 minutes, you can open an account online. Dive into a hassle-free banking experience and enjoy the benefits we have in store for you.

Get started today.

Or, give us a call at 308-537-7181.

Essential Checking Details

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  • No Monthly Fee with Online Statements1
  • No Minimum Balance
  • Online & Mobile Banking with Bill Pay & MORE!
  • 3 FREE Foreign ATM Fees Per Statement Cycle2

  • FDIC Insured3

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).

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. 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.

3 Covered by FDIC Insurance by the maximum allowed by law.


Complete this form to start a conversation.

This form is intended for individuals at least 18 years old. If you're under the age of 18, please do not submit this inquiry form.

Why Choose Us? 

You need personal service from bankers who understands your needs.  We have focused on community banking since 1902 and have worked with clients to build personalized solutions around them.