Take Charge of Your Finances  

Managing your finances is essential for achieving your goals. Our checking accounts provide convenience and flexibility for everyday purchases, bill payments, and future savings!  

Real Results Checking

Maximize interest with your active account

Open an account today!
  • 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 card purchases2
  • $8 Monthly Maintenance Fee waived when a $200 average monthly ledger balance is maintained
  • Free eStatements or $3 Paper Statement Fee
Open an account today!

My Checking

Our basic account

Open an account today!
  • No minimum balance
  • No Monthly Maintenance Fee
  • Free eStatement or $3 Paper Statement Fee
Open an account today!

Young Adult Checking

Build healthy financial habits and spend responsibly.

  • No minimum balance 
  • Free ATM withdrawals4 
  • No monthly Maintenance Fee 
  • Free eStatement or $3 paper statement fee
  • Converts to My Checking at age 23 

Health Savings Account

Discover a tax-advantage savings option designed to help those with high-deductible healthcare plans.

  • Pays tiered interest 
  • A $5 monthly Maintenance Fee is waived when a $200 average monthly ledger balance is maintained. 
  • Free eStatement or $3 Paper Statement Fee 
  • $20 set-up fee

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 ATMs3
  • Visit moneypass.com 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 A $2 withdrawal fee will be assessed on all non-MoneyPass ATM withdrawals. In addition, non-MoneyPass ATM operators may assess a surcharge fee.

4 Frandsen Bank will not charge an ATM withdrawal fee from your Young Adult Checking account. A $2 fee will be charged for Young Adult Savings account withdrawals from non-MoneyPass® ATMs. ATM operators may charge a separate fee
 

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Open a New Deposit Account

If you wish enroll in online banking, please click "Cancel" and navigate to the "Enroll in Online Banking" button below "Log In".

If you wish to open a new deposit account, please click "Proceed".

Thank you for banking with Frandsen Bank & Trust!

You are about to leave the Frandsen Bank Website.

The site you have selected is an external one located on another server. Frandsen Bank has no responsibility for any external website. It neither endorses the information, content, presentation, or accuracy, nor makes any warranties, express or implied, regarding the external site. Thank you for visiting Frandsen Bank.