geometric shapes with money falling

Horizon Checking


Now Offering 4.00% APY

on balances up to $25,000 with qualifying activities.^

Unlock the Potential of Your Checking Account with Exceptional Returns.

At Flatwater Bank, your checking account is more than a tool for daily transactions—it’s a gateway to earning like never before. With our Horizon Checking Account, you'll enjoy an impressive 4.00% APY^, making your money work harder for you right here in Nebraska. 

A Checking Account That Goes Beyond

Floating cash
  • High Yield Returns:  Offering 4.00% APY^ ,you benefit from one of the best APY rates on the market, ensuring your balance isn't sitting idle.
  • Banking on the Go:  Manage your funds effortlessly with our Online & Mobile Banking with Bill Pay & MORE!
  • Always Protected:  With debit card fraud monitoring your account is constantly watched over, providing you with the assurance you need.
  • Guaranteed Safety:  Your hard-earned money deserves no less than the security of FDIC insurance^^

Don't miss out on this great rate!

Or, give us a call at 308-537-7181  .

Designed for the Smart Saver in Nebraska

Whether saving for something big or just wanting your everyday funds to grow, our Horizon Checking is the smart choice. 

Seize Your Financial Opportunity

Choosing Horizon Checking means opting for growth without sacrificing accessibility. It’s the ideal solution for those who demand more from their checking account—more returns, more service, more security.

Get Started with Ease

Opening a Horizon Checking Account is simple. Whether you're in Gothenburg, Ansley, or Brady or prefer to handle your banking online, we’re here to get you set up and started earning that high APY.

Frequently Asked Questions (FAQs)

  1. How does the Horizon Checking account offer such a high APY? Our Horizon Checking account offers a substantial 4.00% APY on balances up to $25,000^, thanks to our commitment to providing our customers with one of Nebraska's most rewarding checking experiences.

  2. Can I handle all my banking needs online with Horizon Checking? Absolutely! With our full Online & Mobile Banking suite, you'll have everything you need to manage your money on the go.

  3. Why is the Horizon Checking account better than a traditional savings account? Horizon Checking provides the unique advantage of yielding high returns similar to a savings account while allowing you to access and use your funds when needed for daily use by using checks, a debit card, and even contactless payments.

  4. How can I start earning more with Horizon Checking? Getting started is easy. You can open an account online or visit one of our branches to open your account and begin enjoying the benefits today.

^4.00% annual percentage yield effective 5/10/2024 and subject to change. Fees may reduce earnings. 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. Minimum to open account is $50.

^^Covered by FDIC Insurance to 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.