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.

This account option has all the basics you need, plus some additional perks. Earn interest on your balance and enjoy up to 5 ATM reimbursements for when you need cash away from home.

Enjoy the essentials with some additional perks.

  • Earns variable interest rate1
  • Online, Mobile & Telephone Banking
  • Online Bill Pay (unlimited)
  • ATM/Debit MasterCard®
  • Credit for Up to 5 Non-Forcht Bank ATM Fees Per Statement Cycle
  • Overdraft Link Protection available2
  • Accidental Overdraft Coverage
  • eStatements3
  • $50 minimum opening deposit
  • No monthly service charge if customer maintains a $500 minimum balance, OR has aggregate deposit balances of $5,000 or more. $5 monthly service charge if minimum balance(s) not maintained.

Interest Rate

*Effective as of 4/26/2021

AccountMin. Balance to obtain APY1Interest RateAPY2
Forcht Friend CheckingAny0.05%0.05%

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

2Transfers 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.

3eStatements require enrollment in online banking. $5 per month fee for paper statements.

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

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