personal checking

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
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
Up to 5
Available Available Available 2 boxes of club checks free per year First Box Free
Statement 4
e-Statement 2 e-Statement2 e-Statement 2 Paper or 
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 $5 per month fee for paper statements.

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.