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How do I access the Mobile App?

Refer to our registration reference guide to get the mobile app for free. For other questions relating to our mobile app. refer here.

How do I make Mobile Deposits?

Click here for instructions and detailed FAQs. 

Online Banking and Bill Pay FAQs:

Click here.

How do I re-order checks?

You may call the bank to re-order checks or they can be ordered online. Click here to order online. 

What are Online Statements?

Online Statements, sometimes referred to as E-statements are your account statement(s) that are delivered to you electronically. You then access your statement through a secure web site (Flatwater Bank's Online Banking). If you currently have Flatwater Bank's Online Banking and would like to register for Online Statements, click here. If you do not have Flatwater Bank's Online Banking, click here.

What is eSafe:

eSafe is a secure website used to access your account statement(s) electronically.  Online Banking is the preferred method for accessing statements electronically. However, for those who do not have access to Flatwater Bank's online banking, eSafe is still available.

Why did you place a hold on my deposit?

Flatwater Bank’s general policy is to make deposited funds available on the first business day we receive the deposit. In some cases, however, we place a “hold” on the funds. Common reasons for placing a hold on a check or deposit include, but are not limited to:

  • Accounts with frequent overdrafts
  • Accounts opened for a short time
  • High dollar deposits that exceed the total available balance in the account
  • Deposits of foreign currency
  • Deposits of checks that have already been returned unpaid
  • The financial institution that the check was drawn against has notified our bank that the check will be returned

How secure is mobile/text message banking?

All information transmitted between servers and the mobile devices is encrypted as with regular online banking. There is no difference between using a mobile device or a computer from your home.

What if I need a copy of my statement and I receive them electronically?

Your Online Statements are available for access on Flatwater Bank's Online Banking for 18 months. For those customers who use eSafe they are available for six months. We encourage you to save a copy to an external device or hard drive if you need them for future use. If you need statements beyond that you will need to call the bank to have a Customer Representative assist you. There may be a fee for printing statements which have been previously sent electronically.

How do I activate my debit card?

Your new debit card requires activation.  Call 1-877-965-3344 to activate and choose or change your PIN.

Does my debit card have purchase limits?

Yes, your debit card is subject to daily purchase and cash/ATM withdrawal limits. The daily limit is $2,500 (total purchases) and the cash/ATM limit is $1,000 in 24 hours.

Is my account FDIC insured?

Yes. Please read here for details .

What happens if I lose my debit card?

Call the bank immediately at 308-537-7181. We will cancel the card and re-issue a new one. If you are using Flatwater Bank's mobile app or Flatwater Bank's Online Banking, you can deactivate your card the moment you realize it's been lost or stolen.

What different options are there to make my loan payments?

You can make payments online, set up an automatic payment from another Flatwater Bank account, or use a payment coupon book to make payment by mail or in person at the bank.

What do I need to apply for consumer loan?

You will need to complete the information in the consumer loan credit application which includes: demographic info, employment information, proof of income, list of assets and debts, etc.

What do I need to apply for a mortgage loan?

You will need to complete the information in the mortgage loan application which includes: demographic info, employment information, list of assets and debts, etc. and also show proof of income.

What do I need to apply for an Ag loan?

Throughout the application process you will need to work with your Flatwater Bank loan officer to complete a Balance Sheet, Income/Expense Statement, and cashflow analysis.

How do I get a payoff figure for my loan

Please call 308-537-7181 and ask to speak with someone in the loan department.

What is a secured loan?

A secured loan is a loan where there is an asset of some type that is pledged to the bank. In the event the loan would default the bank would sell the asset to pay off the loan.

What can I use for collateral on a secured loan?

Types of collateral for secured loans include vehicle titles, certificates of deposit, equipment, real estate, and livestock.