Personal Checking Accounts

NEW! Free EZShield^® Restoration with all Personal Checking Accounts. Read more below.

NEW!

With all of our personal checking accounts, you receive free EZShield^® Restoration services. If you become a victim of identity theft because of a lost or stolen wallet, breached data, or fraud, we will connect you with an EZShield^® certified resolution specialist to assist you in restoring your identity.

You'll also have access to Frandsen Card Protect to help ensure your debit card is used only by you.

Our checking accounts match your needs and lifestyle – providing you easy access to your money and ways to safeguard your account. The Frandsen Bank & Trust personal banking team will help identify the best checking account for you.

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

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

My Checking: Our most popular account.
My Checking Plus: Let your balances work for you.
Gold Star Checking: For customers age 55+.
Ultimate Checking: We value your relationship with us.
Money Market: Let us help you reach your savings goals.

Compare accounts and features here

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

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Savings

CDs and IRAs

Health Savings

ID Protection

Overdraft Protection

Personal Checking Accounts

NEW! Free EZShield^® Restoration with all Personal Checking Accounts. Read more below.

NEW!

Deposit Accounts

Personal Checking Accounts

NEW! Free EZShield® Restoration with all Personal Checking Accounts. Read more below.

NEW!

NEW! Free EZShield^® Restoration with all Personal Checking Accounts. Read more below.