Pioneer Checking

Pioneer Checking

An Interest Earning Account with a low minimum balance.

Flatwater Bank's Pioneer checking account is a good option if you maintain a lower balance, but want to earn interest on your dollars. This full-service account has convenient access when and where you need it.  Plus, the maintenance fee is waived by maintaining a balance of only $500.  Manage your account with convenience and security with this convenient account.

young family of three smiling
  • No Monthly Fee with a balance of $500 or more1
  • Online & Mobile Banking with Bill Pay & MORE!
  • 6 FREE Foreign ATM Fees Per Statement Cycle2
  • FDIC Insured3

Get started today.

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


1  Maintenance fee if balance is not maintained -   $5

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 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 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.