Woman walking down a street in Versailles after using her Friendship checking account to shop local.

Personal Checking

We've taken the confusion out of choosing a checking account by offering straightforward accounts.
All checking accounts include FREE 24/7 Digital Banking and access to over 55,000 ATMs with your debit card.
Friendship First Checking
A no-frills, no worries, basic checking account. 


  • FREE access to 55,000+ Friendship State Bank owned AND Allpoint ATMs.
  • FREE 24/7 Digital Banking.
Deposit to Open: $100

Minimum Balance: $100
One time $2.50 monthly service charge if the balance falls below $100.
 
Over 62? Ask us how to waive this fee.

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


  • Monthly Interest. (See Rates.)
  • FREE first mini-pack of checks.
Deposit to Open: $250
 
Minimum Balance: $250
One time $5.00 monthly charge if the balance falls below $250.

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


  • Deluxe Provent Identity Theft Protection
    • Credit report monitoring
    • Online credit report access
    • Security alerts
    • Fraud resolution
    • Insurance and more
  • Monthly Interest with balance of $100 or more. (See Rates.)
Deposit to Open: $250
 
Minimum Balance: None

Monthly Subscription Cost: $4
There is an additional $2 monthly statement charge if you opt for paper statements.

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


  • Ages 13-25 qualify.*
  • Monthly statement fee waived when you enroll in estatements.
  • Unlimited reimbursement of ATM fees nationwide.
Minimum Balance: None

Deposit to Open: $50
 
Student Checking is not eligible for the Overdraft Privilege Program.

*If the account owner is under 18, a joint owner over the age of 18 is required.
 
There is a $2 monthly statement charge if you opt for paper statements.