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Checking

Woman paying for a purchase with debit card.

We've taken the confusion out of choosing a checking account by offering straightforward accounts with the features you deserve.

Download and open your easy Switch Kit.

Friendship First Checking
A basic non-interest bearing account.

Friendship Advantage Checking
This package account offers special services and pays you interest. 

Secure ID Checking
Security and your solution for Identity Theft Protection.

Student Checking
An easy-to-use starter account as you begin your financial life.

Please see a bank representative for full details. 
  

Friendship First Checking

  
A basic non-interest bearing account. ATM/Debit card is available (subject to approval).
No monthly service charges for customers who maintain a $100 minimum daily balance.

Your benefits include:
  • FREE ATM transactions at Friendship State Bank owned ATMs.
  • FREE Check Images for your records
  • Unlimited Debits
  • Debit Card (subject to qualifications and approval)
  • FREE Digital Banking

Minimum Balance: $100
One time $2.50 monthly service charge if the balance falls below $100. Individuals age 62 and over are waived the minimum balance fee; but must notify us at account opening or after they turn 62 for waiver to go into effect.

Deposit to Open: $100
A minimum deposit of $100 is required to open the account. 

OPEN ACCOUNT NOW  Select the "New Deposit Account" Option
 

Friendship Advantage Checking


This package account offers a wealth of special services and discounts, and pays you interest. 

Earn a higher interest rate by maintaining a higher average monthly balance, as this is a tiered interest rate account.

You will enjoy many benefits, including:
  • Monthly Interest Payments
  • Unlimited ATM usage at all Friendship State Bank owned ATMs
  • FREE Check Images for your records
  • FREE First order of special member checks
  • FREE Incoming Faxes, Automatic Transfers, and Photocopy Services
  • Coupons for MEMBERS ONLY discounts
  • Debit Card (subject to qualifications and approval)
  • FREE Digital Banking 
 
Minimum Balance: $250 
There is a $5.00 monthly service charge if the balance falls below $250.

Deposit to Open: $250
A minimum deposit of $250 is required to open the account. This minimum also applies when upgrading from a Friendship First Checking to a Friendship Advantage account.

This account earns a tiered interest rate. The entire balance is subject to the higher rate when the average monthly balance reaches the second tier. Click here for current rates.

  • Tier I Rate.....$0.01 - $24,999.99
  • Tier II Rate....$25,000.00 and up

OPEN ACCOUNT NOW  Select the "New Deposit Account" Option

Secure-ID Checking


Security, and your solution for Identity Theft protection. In addition to a full menu of special services, this interest-bearing account includes a subscription to Deluxe Provent Identity Theft Protection. No minimum balance to worry about, and your account can be opened with a $250.00 or greater deposit.

A $4.00 monthly fee ($6.00 if you opt out of E-Statements) gives you the following benefits: 

  • Deluxe Provent Identity Theft Protection, with proactive credit report monitoring, online credit report access, security alerts, fraud resolution, insurance, and more.
  • E-Statements let you access up to 2 years of statements securely online, while saving valuable resources.
  • Monthly Interest Payments (with 3 tiers)
  • Unlimited ATM usage at all Friendship State Bank owned ATMs
  • FREE Check Images for your records
  • FREE First order of special member checks
  • FREE Incoming Faxes, Automatic Transfers, and Photocopy Services
  • Debit Card (subject to qualifications and approval)
  • FREE Digital Banking
 
Minimum Balance: None
$100 minimum is required to earn interest.

Deposit to Open: $250
A minimum deposit of $250 is required to open the account.
  
This account earns a tiered interest rate. The entire balance is subject to the higher rate when the average monthly balance reaches the next tier. Click here for current rates.

  • Tier I Rate.....$100.00 - $9,999.99
  • Tier II Rate....$10,000.00 - $24,999.99
  • Tier III Rate...$25,000.00 and up
 
OPEN ACCOUNT NOW  Select the "New Deposit Account" Option
 

Student Checking

  
An easy-to-use checking account as you begin your financial life. 
Ages 13-25 qualify for this account.*

Your benefits include:
Minimum Balance: None
No minimum balance is required. 

Deposit to Open: $50
A minimum deposit of $50 is required to open the account. 

*If the account owner is under 18, a joint owner over the age of 18 is required. Contact us for additional details. 
 
**There is a $2 monthly statement charge if you opt for paper statements. 
 
Please note: Student Checking is not eligible for the Overdraft Privilege Program.
 
OPEN ACCOUNT NOW  Select the "New Deposit Account" Option

Overdraft Privilege Program


We offer an overdraft privilege program for qualifying accounts. At our discretion, we may pay checks written on overdrawn accounts. The fee for this service is $30.00 per item, but the item is paid and the account is saved any fees that may have been incurred for items returned NSF (insufficient funds) as well as fees imposed by the depositor. Please call any branch for full details and policy disclosures.