Personal Checking

The Easiest Way to Spend with Confidence

 







Compare Checking Accounts


Friendship First Checking

  • Most popular: a simple, hassle-free way to manage your finances. Access to 55,000+ partner ATMS
  • Deposit to open: $100
  • Monthly Fee : $0 with $100 minimum daily balance OR $2.50/month
  • Senior Discount Available (over 62)


Friendship Advantage Checking

  • An account for those who want to earn interest
  • Access to 55,000+ partner ATMs
  • Deposit to open: $250
  • Monthly Fee: $0 with $250 minimum daily balance OR $5/month


Student Checking

  • Perfect for our friends aged 13- 25 starting their financial journey.
  • Nationwide ATM fees reimbursed
  • Deposit to open: $50
  • Monthly Fee: $0 with e-statements OR $2/Month
  • If the account owner is under 18, a joint owner over 18 is required.





































Checking Mobile on iPhone

All Checking Accounts Include

  • Online and Mobile Banking
  • Mobile Deposit
  • BillPay
  • Add Your Debit Card to Apple, Samsung, or Google Pay Wallet
  • Lock and Unlock your Debit Card
  • Schedule a Debit Card Travel Notice
  • Transfer Funds
  • Secure Message a Real Friendship Banker
  • Accept credit card payments with Autobooks
  • Customize Text Alerts for Balances and Transactions
  • And SO MUCH MORE!


 

Still have questions?

Call us at 812-667-5101

Frequently Asked Questions

Visit one of our locations to open your account in person. Be sure to take your photo identification that includes your current address.
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.
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.
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.
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.













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Personal Insurance
 

All your protection. One trusted team.


From your home and auto to your farm and business, we bring all your coverage under one roof.