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


We’re more than your bank, we’re your business partner. Connect with your Business Banker for any support you might need.

For Police, Firefighters, EMS, Military, and Educators because you put everyone else before yourself, this account is exclusive to you. Enjoy our best account available including free box of checks, a lower minimum balance requirement, interest bearing, .25% discount on consumer loan rates (excluding mortgage rates) and more. It's our way of saying thank you for making our communities Happier.

Because You Make Our Communities Better, This One's For You

  • Exclusively for Police, Firefighters, EMS, Military/Veterans, & Educators1
  • Earns variable interest equal to Forcht Friend Checking rate2
  • .25% bonus rate on any of our Certificates of Deposit, excluding specials
  • Online, Mobile, & Telephone Banking
  • Online Bill Pay (unlimited)
  • ATM/Debit MasterCard®
  • Credit for up to 5 Non-Forcht Bank ATM fees per Statement Cycle
  • First box of Everyday Heroes checks free
  • Overdraft Link Protection available3
  • Accidental Overdraft Coverage
  • Free cashier's checks and money orders
  • 10% off safe deposit boxes (where available)
  • Free notary services
  • $50 minimum opening deposit
  • No monthly service charge if customer maintains a $100 minimum balance, OR has aggregate deposit balances of $5,000 or more. $6 monthly service charge if minimum balance(s) not maintained.

Interest Rate

*Effective as of 4/26/2021

AccountMin. Balance to obtain APY1Interest RateAPY2
Everyday Heroes CheckingAny0.05%0.05%

1Available 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)

2The interest rate and Annual Percentage Yield (APY) may be subject to change after account opening.

3Transfers 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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

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