Personal Checking Accounts

Our checking accounts match your needs and lifestyle – from no-frills free checking to money market options. The Frandsen Bank & Trust personal banking team will help identify the best checking account for you.

All of our checking accounts have check cards, online banking, Bill Pay, and mobile banking available. We want you to be able to do your banking whenever you need to and wherever you are.

To help you get started, here’s an overview:

Free Checking: Easy checking for your busy life.
Classic Checking: Unlimited check writing on this relationship account.
Classic Plus Checking: Earn interest on this relationship account.
Gold Star Checking: Rewards for customers age 55+.
Money Market: Great deposit rates for your money.

Account	Highlights	Service Charge
Free Checking	No minimum balance Online Banking required eStatement required $100 minimum opening balance Pays no interest	None
Classic Checking	Unlimited check writing eStatement available $100 minimum opening balance Pays no interest	A $5 Maintenance Fee will be imposed every month if combined deposit balance^** falls below $5,000
Classic Plus Checking	Unlimited check writing eStatement available $100 minimum opening balance Earns interest on a tiered basis	A $8 Maintenance Fee will be imposed every month if account balance falls below $500 on any day during the statement cycle or if combined deposit balance^** falls below $10,000
Gold Star Checking	Available to persons age 55 or older No minimum balance One (1) free box of Frandsen Bank & Trust checks per year No fee cashier's checks, money orders, travel cards and gift cards eStatement available $100 minimum opening balance Earns interest on daily balances equal to or greater than $500	None
Money Market Checking	Unlimited in-person transactions Withdrawal limitations apply per federal regulation^* $2,500 minimum opening balance Earns interest on a tiered basis	A $10 Maintenance Fee will be imposed every month if account balance falls below $2,500 on any day during the statement cycle

* During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order.

** The combined deposit balance is determined by adding the account monthly average balance to the balance of all of your other personal deposit accounts on the statement cycle date.

Deposit Accounts

Checking

Savings

CDs and IRAs

Health Savings

Bridge Benefits (ID Theft)

Overdraft Protection

Personal Checking Accounts