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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

HERE’S AN EXTRA LAYER OF PROTECTION

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

OPTIMIZE YOUR ONLINE BUSINESS BANKING EXPERIENCE

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

Our checking accounts are designed to fit your lifestyle--simple, secure, and packed with features. Whether you're managing daily expenses or setting financial goals, our checking account options offer flexibility and the support you need!

*Effective as of 6/16/2025

Elevated+ CheckingElevated CheckingFoundation CheckingiStudent Checking
Essential Benefits
Shop Local Discounts¹
Health Savings
Cell Phone Protection²⁻³
Roadside Assistance
ID Theft Aid²⁻³⁻⁴
Buyer Protection²⁻³
Travel Accidental Death Insurance³
Financial Wellness⁴
Pet Insurance⁴
Fuel Discounts⁵
Interest
Exclusive Benefits

¹ Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. ² Subject to the terms and conditions detailed in the Guide to Benefits. ³ Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. ⁴ Requires activation. ⁵ You'll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You'll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transaction post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for the MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of of $0.10 per gallon. When you have 50 stored bonus transaction you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limited placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activated you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time without notice. ⁶ Paper statements are $5 per month. eStatements require enrollment in online banking.

our essential benefits

We offer the following benefits with all of our checking accounts:

  • Online and Mobile Banking
  • Online Bill Pay
  • Over 90,000 Fee-Free ATMs
  • eStatements
  • Extended ITM Hours: 7 AM to 7 PM
  • ATM/Debit Mastercard®
  • TransferNow
  • Instant Issue Cards
  • Online Card Management
  • Zelle

Happier Banking Starts with Checking To Fit Your Needs

Elevated+ Checking

Bank at a higher level with Elevated+ Checking, our account with exclusive features for those ready to take their banking experience to new heights--like fuel discounts, pet insurance, local retail discounts, and more--plus interest and special bank-only benefits.

elevated checking

Take your banking to new heights with Elevated Checking, our account with premium features for those ready to maximize their banking experience. Enjoy added perks and benefits--like fuel discounts, pet insurance, local retail discounts, and more--all designed to give you greater control and convenience every step of the way.

foundation checking

As the first step to a solid financial future, Foundation Checking is our simple, reliable account designed to help you build strong financial habits. With easy access to your money and essential banking features, it's the perfect starting point for managing your everyday finances.

iStudent Checking

As a convenient, no-monthly-fee account designed for students ages 13-24, iStudent Checking is perfect for managing your money on the go while focusing on school.

Safety net checking

With built-in protections and no overdraft fees, Safety Net Checking is a smart option for managing your money with confidence and peace of mind.

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