Friendship Advantage Checking

Open a Friendship Advantage Account to Bank Your Way


Friendship Advantage Checking Account

A simple, convenient, and transparent
account tailored for you.

Enjoy Convenience and Accessibility

  • Manage your account at your convenience with online and mobile banking.
  • Real bankers answer when you call and convenient locations throughout Southeastern Indiana
  • Access your cash at 55,000+ Friendship State Bank and Allpoint ATMs globally.

Experience Affordability and Transparency

  • No monthly fee with a $250 minimum daily balance OR just $5/month.
  • No hidden charges and no extra requirements like direct deposits or debit card transactions.
  • E-statements or Paper Statements: Your choice. No fee.
  • Interest paid monthly.

Connect with Community and Security

  • Rely on top-notch security and debit card fraud monitoring.
  • Personalized service from friendly, knowledgeable Friendship bankers.
  • Rely on Friendship to give back to the organizations and causes that help your community thrive.

How Does This Compare?

 
Account Type Friendship First Friendship Advantage Student Checking
Opening Balance $100 $250 $50
Monthly Fee $0 with $100 minimum daily balance OR
$2.50/month		 $0 with $250 minimum daily balance OR
$5/month		 $0 with e-statements
OR
$2/month
Earns Interest No Yes No
Paper Statements Free Free $2/month
Free Checks No First 30 Checks Free No

Overdraft Coverage Program: Friendship State Bank offers an Overdraft Payment Program for qualifying accounts. If we pay an item into overdraft, a $30 fee per item will apply. We may charge a fee for overdrafts created by checks, ACH withdrawals, and certain electronic transactions. Any overdraft must be repaid promptly, generally within 30 days. Please note, we may decline to pay an overdraft at our discretion, including when an account is not in good standing or previous overdrafts have not been repaid. For full program details and disclosures, please contact us.

Little girl with her dog and parents in their home
A young lady with her dog in her home
A group of friends having a meal outside a house
Home Loans
 

Your forever home starts with a local partner.


For over 110 years, we've been helping our neighbors in Southeastern Indiana buy the homes they love.









Ready to Open Your Checking Account?

Visit one of our local branches to open your account in person. Get directions to a Friendship near you. 
  1. Complete the Direct Deposit Transfer Request Form.
  2. Submit the Form: Give the form to your employer's Human Resources or payroll processing contact.
  3. Check for Online Setup: Ask your employer if you can set up direct deposit through an employee portal.
    Download Direct Deposit Transfer Request Form(Opens in a new Window)
 
  1. Complete the Automatic Payment Change Form.
  2. Submit the Completed Form: Provide the completed form to each payee or biller.
    Download Automatic Payment Change Form(Opens in a new Window)
 
  1. Use the Bill Pay Worksheet: Record your current online bill payment information from your old online banking account.
  2. Set Up Your Bill Payees: Enter this information into your Friendship State Bank digital banking account.
    Download Bill Pay Worksheet
  1. Verify Transactions: Ensure all outstanding checks and debit card transactions have cleared your old account.
  2. Confirm Deposits and Withdrawals: Make sure direct deposits and automatic withdrawals are showing on your Friendship State Bank statement.
  3. Close Your Old Account: Contact your former bank to close old account. 
How do I open a checking account? Can I open one online?
Visit one of our locations to open your account in person. Be sure to take your photo identification that includes your current address.
 
When will I receive my debit card?
In most cases, you’ll get your debit card the very same day you open your account. That’s right—when you leave our branch, your debit card will be in hand and ready to use immediately.
 
How do I get the Friendship State Mobile App?
You can download our free mobile banking app from the Apple App Store or Google Play Store. Simply log in using the credentials provided at account opening. Through the app or on your desktop, you can easily manage your transactions, debit card, bill payments, and more.
 
What are your ATM fees?
Great news! We’ve partnered with the Allpoint ATM Network, giving you fee-free access to 55,000 ATMs worldwide. For non-Allpoint or non-Friendship ATMs, a $0.50 fee will be reflected on your statement at the end of the month.
 
How can I transfer money between my Friendship accounts and another bank?
Transferring money between your Friendship State Bank account and another bank is simple with our bank-to-bank transfer feature, available through both our online and mobile banking platforms. For security reasons, the initial setup requires a quick visit to one of our branches. Once you're set up, you'll enjoy seamless transfers at your convenience. Contact us for more details.







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Still have questions?

Call us at 812-667-5101