Ultimate Banking | Frandsen Bank | MN, WI, ND

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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%¹ 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 purchases² monthly
Elevated purchase and withdrawal limits with your Ultimate black debit card
No Monthly Maintenance Fee
Free eStatements or $3 Paper Statement Fee

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.

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

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.

APY = Annual percentage yield