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Personal Deposits

We’re a friend of the family. We’ll be there for you when you buy your first home. When you bring home your first child. When you’re facing financial challenges or planning for retirement. We’ll be there whether that means meeting at one of our offices, after the little league game, or at your kitchen table.

Friend Checking Accounts

We know that on so many days, there just isn’t enough time to get it all done. That's why all Friend checking accounts include the following. It’s our way of letting you bank wherever you are, leaving more time for everything else in your life.

Free Visa^® Debit Card
Access to Participating ATMs Worldwide
Free Online Banking & Bill Pay
Free Mobile Banking
Free 24-Hour Telephone Banking

$100 Minimum Opening Deposit ($25 Minimum for Student Checking)

Friend Checking

An account for people who prefer a straightforward banking relationship.

No monthly fee, no minimum balance
E-statement required
Paper statement available for $3 per month
Unlimited check writing
Personal Identity Protection with ID Theft Aid

Interest Checking

An account providing premium benefits combined with daily interest*, for those who maintain $2,500 in Friend Interest Checking or $5,000 in a combination of checking, savings, money market, CD's and/or IRA's.

Free Friend Specialty Blue single checks
Up to 6 ATM surcharges refunded per statement cycle
No fee Cashier’s Checks
Free Safe Deposit Box for one year
Personal Identity Protection with ID Theft Aid

Value Checking

Friend Value Checking our account with the most value.

Free Friend Specialty Blue single checks
Up to 6 ATM surcharges refunded per statement cycle
No fee Cashier’s Checks
Free Safe Deposit box for one year
Enhanced Identity Protection with credit monitoring
Cellular telephone protection
Travel accidental death insurance
Our Value Checking BaZing member savings
All for just $7 per month

Smart Checking

Our account with the highest interest, combined with the most value.

How do you qualify?

15 debit card POS transactions post and settle to account monthly; prior to the last business day of the month
One direct deposit or ACH debit post to account monthly; prior to the last business day of the month
Sign up for Online Banking and E-statements

If you qualify, you receive:

Bonus rate of 5.12% APY* on the first $20,000 of deposits in your account
Competitive rate of .25% APY* on balances over $20,000

Even If You Do Not Qualify, You Still Receive:

Competitive rate of .10% APY* on all balances
Personal Identity Protection with ID Theft Aid

How much does it Cost?

GOOD NEWS — This account is free!

Rates are accurate as of December 1, 2023. Rates may change after the account is opened. Fees may reduce earnings.

Student Checking

An account for students, age 16-17, with no additional signers required.**

Checks available, if requested
At age 18, account can be converted to a regular checking account with Overdraft Protection

**Student accounts can also be opened for those ages 13-15 with a parent or approved signer on the account.

All Accounts, Visa^® Debit Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Refer to Truth in Savings Account Disclosure for more information.*Interest rates and annual percentage yields may change at any time.

Friend Savings Accounts

A true friend reminds you today to plan for tomorrow. At Friend, we offer a range of savings choices that make financial planning simple and convenient.

Savings Account

The Friend Savings Account is a simple way to begin saving at any age.

Pays competitive interest rates* on balances $25 and greater
No service charge with a minimum balance of $25
No minimum balance required for customers 17 years old or younger
Automatic transfer from checking based on your specifications
Six (6) free withdrawals per month

Christmas Club

A simple way to save for holiday expenses throughout the year.

$10 opening deposit
Earn interest on your account balance*
Automatic transfers from checking based on your specifications
No minimum balance required

Money Market

Offers an attractive rate of return* with the option of making additional deposits at any time.

No service charge with a minimum balance of $2,500
Automatic transfer from checking based on your specifications
Unlimited in-person withdrawals and transfers
Six (6) free withdrawals per month

Coverdell Education Savings Account

A great way to save for education.

Variable-Rate CESA. Open an account with as little as $50 for a term of 18 months. Interest rate is variable over 18 months.
Automatic transfer from checking based on your specifications
Flexible interest payment methods, FDIC-insured, automatic renewal option

All Accounts, Visa^® Debit Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Refer to Truth in Savings Account Disclosure for more information. *Interest rates and annual percentage yields may change at any time.

Friend CDs and IRAs

Certificate of Deposit (CD)

For our friends, we offer a range of CDs available for a variety of terms.

Competitive rates locked in with terms from 30 days to five years
Minimum of $500 required to open
Flexible interest payment methods
Automatic renewal option

Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) helps save for the future!

Choose from Traditional or Roth IRAs
Fixed-Rate IRA CD. Earns competitive rates with terms from 30 days to 5 years
Flexible interest payment methods
Automatic renewal option

All Accounts, Visa^® Debit Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Refer to Truth in Savings Account Disclosure for more information. *Interest rates and annual percentage yields may change at any time.

Friend Debit Card

A VISA^® Debit Card provides a convenient link to your checking account. Safer and more convenient than cash, you are able to access cash at ATMs nationwide and make purchases wherever VISA^® is accepted.

Your VISA^® Debit Card, with the Accel^® and VISA^® symbols, gives you instant access to your account
Get cash at ATMs displaying the Accel^® symbol in the U.S. and everywhere VISA^® debit cards are accepted
Use your VISA^® Debit Card to make purchases around the globe
Purchases and cash withdrawals are debited from your checking account

All Accounts, Visa^® Debit Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Refer to Truth in Savings Account Disclosure for more information. *Interest rates and annual percentage yields may change at any time.

Overdraft Protection & Privilege

Life happens! Friend Bank understands that unexpected overdrafts occur from time to time - overdraft coverage can help. The choice is yours. For more information on overdraft coverage options, click here.

Overdraft Protection

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Friend Bank for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

All Accounts, Visa® Debit Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Refer to Truth in Savings Account Disclosure for more information. *Interest rates and annual percentage yields may change at any time.

Debit Card Management

Debit Card Management helps you control your cards through your mobile device, making it easy to set alerts and manage your finances on the go.

Learn More

Order Checks

Personal Check Order Business Check Order

Have Questions?

Our Friend bankers are ready to assist you with all your personal banking needs.

Call us today!