Personal Checking Account Options

The Fast, Secure, and Free Way to Switch Your Automatic Payments and Direct Deposits! Switching your direct deposits and automatic payments to Frandsen Bank & Trust doesn’t need to be a hassle. We’ve made it easier than ever with ClickSWITCH.

My Checking

Our basic account

  • No minimum balance
  • No Monthly Maintenance Fee
  • Free eStatement or $3 Paper Statement Fee

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 cycle:1
    • $500 in direct deposits AND
    • 12 posted debit cards purchases2
  • $8 Monthly Maintenance Fee waived when a $500 average monthly ledger balance is maintained
  • Free eStatements or $3 Paper Statement Fee

Money Market

Let us help you reach your savings goals

  • Pays tiered interest
  • Free statements
  • $10 Monthly Maintenance fee waived when a $2,500 average monthly ledger balance is maintained
  • $3 Withdrawal Limit Fee charged for each withdrawal, transfer and payment that exceeds six per monthly statement cycle3

Health Savings Account4

Helps with your high-deductible health plan

  • Pays tiered interest
  • Access your HSA with a debit card
  • Free eStatements or $3 Paper Statement Fee
  • $3 Monthly Maintenance Fee waived when a $500 daily ledger balance is maintained

All personal checking accounts come with these features

Mastercard® Debit Card

  • Convenient way to make purchases
  • Make contactless and digital wallet purchases
  • Free MoneyPass® ATM withdrawals5
  • Personalize your card with My Card Create

Online Banking

  • Monitor account activity
  • Transfer money and pay bills
  • Apply for a loan or open an account
  • Access eStatements
  • Manage account alerts

Mobile Banking

  • Instantly check account balances
  • Transfer money and pay bills
  • Make a deposit
  • Apply for a loan or open an account
  • Manage your debit card

Digital Wallet

  • Make contactless debit card payments with your mobile phone
  • Download your preferred payment app from your app store to use this feature

Surcharge-free ATM Network

  • Avoid ATM surcharges at MoneyPass ATMs5
  • Visit to find ATM locations near you

1 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.
2 Excludes Automated Teller Machine (ATM) withdrawals. Posted debit card purchases do not include pending or pre-authorized purchases.
3 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.
4 $20 set-up fee.
5 A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-MoneyPass ATM operators may assess a surcharge fee.

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