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Personal Checking Accounts
We know that a checking account has to fit the way you live.
Because of that, we have four account options to choose from that include all these features:
- Online, Mobile, & Telephone banking
- Online Bill Pay
- eStatements
- ATM/Debit Mastercard® - apply online at your convenience
Review the information below to see which account fits your lifestyle. Or let us help you find the perfect account using our Account Match tool . Once you’ve found the account that works for you, open the account directly from your computer or at one of our conveniently located Banking Centers .
Please scroll left to view the rest of the table.
| Easy Checking | Forcht Friend Checking | iStudent Checking | 55 Advantage Checking | Everyday Heroes Checking | |
|---|---|---|---|---|---|
| Open Now | Open Now | Open Now | Open Now | Open Now | |
Interest Bearing |
No | Yes, View Rates |
No | Yes, View Rates |
Yes, View Rates |
Online & Mobile Banking |
Yes | Yes | Yes | Yes | Yes |
Bill Pay |
Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
ATM/Debit Card |
Yes | Yes | Yes | Yes | Yes |
Foreign ATM Reimbursements |
No | Yes, Up to 5 |
Unlimited | Yes, Up to 5 |
Yes, Up to 5 |
Checks |
Available | Available | Available | 2 boxes of club checks free per year | First Box Free |
Statement 4 |
e-Statement 2 | Paper or e-Statement |
e-Statement 2 | Paper or e-Statement |
Paper or
e-Statement
|
Overdraft Link to Savings |
No | Yes 1 | No | Yes 1 | Yes 1 |
Minimum to Open |
$50 | $50 | $50 | $50 | $50 |
Minimum Balance Requirement |
$100, if it falls below, $6 monthly service charge | $500, if it falls below, $5 monthly service charge |
None | $500, if it falls below, $5 monthly service charge |
$100, if it falls below, $6 monthly service charge |
Account Restrictions |
None | None | For Students Ages 13 - 24 3 | For customers 55 or above |
For Police, Fire, EMS, Military, and Educators 5 |
Think switching banks is too much hassle?
Not here. Switch auto-debits, Direct Deposits, and more over to your new account in 10 minutes or less. After opening your account, use ClickSWITCH to conveniently switch over your payments from your old account to your Forcht Bank checking account. All you need is a ClickSWITCH code that any of our bankers can provide you with.
Learn More or Get my ClickSWITCH code
1 Overdraft link available with Forcht Friend Savings or Performance Money Market only. $5 fee per transfer in $100 increments. Maximum 6 transfers per monthly statement cycle.
2 $3 per month fee for paper statements on Easy Checking. $5 per month fee for paper statements on iStudent Checking.
3 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.
4 eStatements require enrollment in online banking.
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)
6 Rates subject to change. See Forcht Bank Deposit Rates for more info.