Personal Banking Accounts

Choose From a Range of Useful Banking Options

Keep your personal checking and savings accounts at Frontier Bank, where modern features include options like online banking, mobile banking, debit and ATM cards, and other financial benefits.

Learn more about our personal banking services below, and contact us today for more information on the many account choices available. We are FDIC-insured and meet all FDIC operational standards.

Frontier Bank Classic Checking

• $100.00 opening deposit required
• Monthly maintenance fee of $7.00
• No minimum balance required
• Free internet banking for 10 bill pay transactions per calendar month ($0.55 each thereafter)
• Free debit card
• Unlimited check writing

The monthly maintenance fee of $7.00 is waived when you meet one of the following requirements: online statement enrollment, a daily minimum balance of $500.00, a qualifying loan (ready reserve not eligible), or you are 55+ years of age.

Now Checking

• $1,000.00 opening deposit required
• Monthly maintenance fee $10.00
• Earn interest on minimum daily balance of $1,000.00
• Unlimited check writing
• Free debit card
• Free internet banking with 10 bill pay transactions per calendar month ($0.55 each thereafter) 

The monthly maintenance fee $10.00 is waived if one of the following requirements are met: minimum daily balance of $1,000.00 or online statement enrollment.

Personal Savings Christmas Club

• Pays interest at maturity
• Minimum balance of $2.00 and maximum balance $5,000.00 per account
• Rate may change annually

To earn interest, you may not withdraw from your Christmas Savings Club until it matures on October 31st.

Hi-Yield Account

• $10,000 minimum opening deposit required
• $10,000 minimum daily balance required to earn the stated annual percentage yield and avoid service charge fees
• Interest accrues daily and pays per statement cycle
• Six transfers allowed per statement cycle at no charge ($5.00 for each transfer after six transactions)

If the balance drops below $10,000, a $10.00 service charge fee will apply per statement cycle and the stated annual percentage yield will revert to the stated savings annual percentage yield.

Money Market

• $1,000.00 minimum opening deposit required
• $1,000.00 minimum daily balance required to earn the stated annual percentage yield and avoid service charge fees
  
• Interest accrues daily and pays per statement cycle
• Six transfers allowed per statement cycle at no charge ($5.00 for each transfer after six transactions)

If the balance drops below $1,000.00 per statement cycle, a $5.00 service charge fee will apply.

Savings (25+ Years)

• $100.00 minimum to open
• Six transfers allowed per month ($5.00 charge per transfer after the first six transfers)
• Quarterly maintenance fee of $10.00

The quarterly maintenance fee can be waived with a daily minimum balance of $300.00 or more.

Minor Savings (Under 25 Years)

$25.00 minimum to open

Six transfers allowed per month; ($5.00 charge per transfer after the first six transfers)

Quarterly service charge of $1.00

The quarterly maintenance fee can be waived with daily minimum balance of $25.00 or more.

Other Personal Banking Options

IRAs and SEP IRAs

We offer a variety of fixed and variable rate investments available for retirement accounts.

Time Certificate of Deposit

Frontier Bank has customized investments available. We offer a wide range of terms at competitive rates.

Trust Accounts

We will manage and distribute your assets according to your specific instructions. This type of account does not have a bank guarantee and may lose value. It is NOT FDIC-insured.

Additional Information

• Interest rates on all interest-bearing checking and savings accounts are variable and subject to change
• Simple interest is accrued on a daily collected balance
• Unless otherwise stated, an initial deposit of $100.00 is required to open any checking account
• There is a $5.00 charge to replace a lost ATM or debit card