FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Executive Banking
Reserved for You
Your personal banking team builds real relationships — not just portfolios — so your financial strategy always reflects your goals, priorities, and lifestyle.1
Tailored banking
Flexible credit
Elevated checking
Ultimate Results Checking
A premium checking experience that rewards your balance with preferred rates, everyday ease, and attentive service.
Earn a premium interest rate of 6.17%2 APY* on your first $20,000 when the following conditions are met during the monthly statement cycle:
$5,000 in direct deposits AND
12 posted debit card purchases3 monthly
Elevated purchase and withdrawal limits with your Ultimate black debit card
No Monthly Maintenance Fee
Free eStatements or $3 Paper Statement Fee
Flexible Financing
When Every Detail Matters, We Deliver.
You focus on your next move. We’ll handle the logistics.
Ultimate Mortgage
Tailored financing with personalized guidance — designed to fit your goals, not a formula.
Owner-occupied and second homes
Adjustable-rate mortgage options
Up to $1.25 million
5% minimum down payment
No private mortgage insurance
Half-off origination fees
Loans are subject to credit approval
Ultimate HELOC
Strategically access your home’s equity with the insight and support of your dedicated banker.
Available to Frandsen Ultimate Mortgage customers
60 months
Competitive, variable rates
No origination fee4
100% loan-to-value financing options
Ultimate Line of Credit
An elegant solution for liquidity — seamless access to funds whenever opportunity arises.
Unsecured line of credit up to $75,000
24 months
Competitive, variable rates
No origination fee5
Recommended
Resources
Credit Cards
Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have a card for you.
Wealth Management
Build a goals-based investment plan and asset strategy designed to manage risk and grow with you, all while valuing diversification.
Not FDIC InsuredMay Lose ValueNo Bank Guarantee
Important Legal Disclosures & Information
Qualifying criteria include a minimum annual income of $200,000 for individuals or $300,000 for households.
All loans are subject to credit approval. Rates and terms may vary based on credit and account relationship. Additional fees may apply.
When Premium interest rate conditions are met and your daily available balance is $20,000 or less, the Annual Percentage Yield (APY) is 6.17%.
When Premium interest rate conditions are met and your daily available balance is over $20,000, the APY will range from 0.01 - 6.17%, depending on the balance in the account.
When Premium interest rate conditions are not met, the APY is 0.01% on the entire daily available balance.
Rates effective as of July 01, 2026 and are subject to change without notice at any time at the discretion of Frandsen Bank & Trust.
Fees may reduce earnings.
A transaction includes deposits, deposited items, checks paid, electronic debits and credits, debit card purchases, and ATM debits.
Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not include pending or pre-authorized purchases.
No origination fee for customers with a Frandsen Bank & Trust checking account that includes direct deposit. Customers without direct deposit receive a 0.50% Origination Fee.
"No origination fee for customers with a Frandsen Bank & Trust checking account that includes direct deposit OR for Ultimate Mortgage customers. Customers without qualifications receive a 1.00% Origination Fee.
APY = Annual percentage yield
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