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Personal Checking Accounts

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

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.  

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.
 

My Checking

Our most popular account.

  • No minimum balance to avoid fees
  • Free ID Restoration with EZShield
  • Free eStatement or $3 Paper Statement Fee
  • Free MoneyPass® ATM withdrawals1

Real Results Checking

Maximize interest with your active account.

  • Earns interest on all balances
  • Earn a premium interest rate on first $10,000 balance when the following conditions are met during the statement cycle2:
    • $500 in direct deposits AND
    • 12 posted debit cards purchases3
  • Free ID Restoration with EZShield
  • Free eStatement or $3 Paper Statement Fee
  • Free MoneyPass ATM withdrawals1
  • 50% off Frandsen Bank checks
  • $10 monthly maintenance fee waived with $500 daily ledger balance

Ultimate Checking

We value your relationship.

  • Pays tiered interest
  • Free statements
  • Waived balance transfer fee
  • Waived annual Ready Reserve fee4
  • Free ID Restoration and ID Protect with EZShield
  • Free box of Frandsen Bank checks per year
  • No-fee ATM withdrawals5
  • $25 monthly maintenance fee waived with $50,000 deposit OR $75,000 deposit and loan relationship6

Money Market

Let us help you reach your goals

  • Pays tiered interest
  • Free ID Restoration with EZShield
  • Free statements
  • $10 monthly maintenance fee waived with $2,500 average monthly ledger balance
  • $3 Withdrawal Limit Fee will be charged for each withdrawal, transfer, and payment that exceeds 6 per monthly statement cycle7

Health Savings Account8

Helps with your high-deductible health plan

  • Pays tiered interest
  • Access your HSA with a debit card
  • Free ID Restoration with EZShield
  • Free eStatements or $3 Paper Statement Fee
  • $3 monthly maintenance fee waived with $500 daily ledger balance

1 A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-
MoneyPass ATM operators may assess a surcharge fee.
2 If premium interest rate conditions are not met, and for balances over $10,000 when premium
interest rate conditions are met, you will earn our Real Results Checking standard interest rate.
3 Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not
include pending or pre-authorized purchases.
4 Subject to application and credit approval.
5 Non-MoneyPass ATM operators may assess a surcharge fee.
6 The deposit relationship is the average ledger statement cycle balance of this account, plus the
combined total of the prior month’s average ledger balances of all other personal deposit accounts.
The loan relationship is the combined total of outstanding personal loan balances on the
account cycle date, excluding mortgages sold to investors.
7 During your monthly statement cycle you may make six 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.
8 $20 set-up fee.