FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Earn up to 6.17% APY*
with a Real Results Checking Account
Make every dollar count with a checking account that pays interest on all balances.
Earn a premium interest1 on your first $10,000 balance when the following conditions are met during the statement cycle:
$500 in direct deposits and
12 posted debit card purchases2
Features free MoneyPass® ATM withdrawals3
$8 Monthly Maintenance Fee waived when a $200 average monthly ledger balance is maintained
Free eStatements or $3 Paper Statement Fee
Frandsen Bank & Trust Accounts Come With:
Free debit card
Surcharge-free ATM network4
Online & mobile banking
Support from your local banking team
Online & Mobile Banking
Get the Most from Your Accounts
Access your personal accounts from your computer, tablet, or phone. With online and mobile banking services you can:
Monitor account activity
Deposit checks from your phone
Transfer money and pay bills5
Apply for a loan or open an account
Access eStatements
Manage account alerts
More Checking & Savings Accounts
My Checking
Simply and securely manage day-to-day finances.
No minimum balance
No Monthly Maintenance Fee
Free eStatement or $3 Paper Statement Fee
My Savings
Consistently save with flexibility to use your money when you need it.
Earns interest on all balances
A $5 Monthly Maintenance Fee is waived when a $200 average monthly ledger balance is maintained
$1 Withdrawal Limit Fee will be charged for each withdrawal, transfer, and payment that exceeds 12 per calendar month6
IRA Savings & CDs
Lock in your earnings when you commit to keeping your funds with Frandsen Bank.
Traditional or Roth IRA accounts
IRA Certificates of Deposit (CDs) with terms from 3 to 60 months
Plan fees and early withdrawal penalties may apply
Talk to a banker to find your best fit
Learn More. Bank Smarter.
Explore our learning center for tips, financial guides, and helpful resources designed to empower everyday banking decisions.
Important Legal Disclosures & Information
When premium interest rate conditions are met and your daily available balance is $10,000 or less, the Annual Percentage Yield (APY) is 6.17%.
When premium interest rate conditions are met and your daily available balance is over $10,000, 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 Jan. 1, 2026. Rates are subject to change without notice at any time at the discretion of Frandsen Bank & Trust.
Fees may reduce earnings.
Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not include pending or pre-authorized purchases.
A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-MoneyPass ATM operators may assess a surcharge fee.
Frandsen Bank will not charge an ATM fee from MoneyPass® network ATMs. A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-MoneyPass ATM operators may charge a separate fee.
If not used during a 30-day period, an Online Bill Payment Fee of $5.95 will be imposed. In addition, the bill pay processor may assess fees for services such as photocopy requests, returned items, stop payments, and any additional services as disclosed to you by the service provider.
Each calendar month you may make 12 withdrawals, transfers, and payments by any means. A withdrawal, transfer, or payment is counted the date it posts to your account, which may be different from the date you make, authorize, transfer, or write the transaction.
APY = Annual percentage yield
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