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Essential Checking


A basic account with all the Essentials.

Flatwater Bank's Essential checking account is a good option if you maintain a lower balance.  Plus, this account will cover all your everyday banking needs.  Enjoy unlimited check writing, online and mobile banking, and no monthly maintenance fee when you sign up for online statements.

Get started today.

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

Essential Checking Details

  • 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.


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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.