If we detect fraudulent activity on your debit card, we’ll check with you before allowing potential fraud on your account.


For an optimized online experience, we strongly recommend using Forcht Bank’s Business Online Banking with either Google Chrome or Microsoft Edge browsers

Checking accounts are the building blocks for financial stability.  We offer a wide variety of checking accounts featuring benefits to match your lifestyle and banking habits. 

COmpare our checking accounts

*Effective as of 2/21/2024

Easy CheckingForcht Friend CheckingiStudent Checking55 Advantage CheckingEveryday Heroes CheckingSafety Net Checking
Interest Bearing1
Online & Mobile Banking
Bill Pay
ATM/Debit Card
ChecksAvailableAvailable2 boxes of club checks free per yearFirst Box Free
Overdraft Link Protection3No Overdraft Fee
Minimum to Open$50$50$50$50$50$25
Minimum Balance Requirement$100, if it falls below, $6 month service charge$500, if it falls below, $5 monthly service charge$500, if it falls below, $5 monthly service charge$100, if it falls below, $6 month service charge
Account RestrictionsFor Students Ages 13-244For customers 55 or aboveFor Police, Fire, EMS, and Military5

1 Rates subject to change. See Forcht Bank Deposit Rates for more info.

2 $5 per month fee for paper statements.  No charge for paper statements on 55 Advantage Checking account. eStatements require enrollment in online banking. 

3 Transfers from your linked account may result in excess activity fee charges. Refer to your account disclosure for more information. $5 fee per transfer in $100 increments.​

4 Proof of student status may be required. Account opened by a minor (under age 18) requires a parent or guardian to be a joint owner of the account. At age 25, account will be converted to Easy Checking. This account does not offer overdraft protection when insufficient funds are not available. 

5 Available to: Law enforcement (City/County Police, State Police, Sheriff, Game Warden, FBI, DEA, ATF, US Marshals, Secret Service) | Firefighters and EMS (Firefighter, Paramedic, volunteer and full-time) | Military (active, reserve, national guard and veterans)


Personal Checking Accounts

Choose from six different account options that all share these same key features:

  • Online, Mobile, and Telephone Banking
  • Online Bill Pay
  • eStatements
  • ATM/Debit Mastercard®

Happier Banking Starts with Checking To Fit Your Needs

Easy Checking

For your everyday banking needs.

Forcht Friend Checking

All the basics, plus some additional perks.

iStudent Checking

For students stretching a tight budget, this account has no minimum balance required.

Safety Net checking

Designed to catch you should you fall on unexpected times. Safety Net Checking has you covered. 

55 Advantage Checking

For our customers over the age of 55 that prefer account benefits that include checks and paper statements.

Everyday Heroes Checking

A thank you to our heroes. This account is for Police, Fire, EMS, and Military.

YOUR Debit Mastercard PERKS

When you open a Forcht Bank checking account, you'll receive a Debit Mastercard® for your spending. Learn about all the perks you'll love!

  • Fraud Stop - We'll contact you if we detect unusual spending activity on your debit Mastercard® before allowing the purchase to process. 
  • Instant Issue - No need to wait, we have the ability to quickly create debit cards within our branches.
  • Mobile Pay - Link your debit card to your smartphone to use contactless payment online, in-app, and in-store. 
  • Card Management - Set custom spending limits, turn your card off and on, protect your account with 75+ customizable Notifi Alerts, and MORE - All within your Forcht Bank Mobile App.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Standard messaging and data rates may apply for app download and usage. Apple® and Apple Store® are registered trademarks of Apple, Inc. Android® is a trademark of Google LLC. 

Smarter Savings Start Here

Saving up for a vacation, down payment, or need a rainy day fund?

No matter the goal, we have a savings account just for you.

Enroll in online banking

Digital Wallets

Order checks

Informational Purposes Only. Review your disclosures provided at account opening for information related to your specific account.

Still have questions? Check out our Frequently Asked Questions page. Visit our FAQs

Prefer a more personal touch? Contact us directly - our team is ready to help! Connect With Us