Open an Account
Click on a card below for more product information
Freedom Checking
- NO Minimum Balance
- NO Service Charges
- Free Electronic Statements
- Free Online Banking
- Overdraft Privilege (ODP) (for eligible accounts)
- Initial deposit of $100 required to open the account
Inactive Service Charge Fee: $10.00
First Reward Checking
- Earn up to 2.03% APY on account balances
- NO Minimum Balance
- NO Service Charges
- No ATM withdrawal fees nationwide (up to $20 per month)
- Overdraft Privilege (ODP) (for eligible accounts)
- Initial deposit of $100 required to open the account
Savings
- More than 3 withdrawals per month will incur a $5 fee
- Interest will be compounded quarterly
- Dormant Account Fee: $10.00 per quarter after 1 year
- Interest Payment Frequency: Quarterly (March 1st, June 1st, September 1st, December 1st)
- Replacement Passbook: $5.00
- Balances below $50 may incur fees and will not ear interest
- Initial deposit of $50 required to open the account
Minimum balances do not apply to student accounts
Certificate of Deposit (CD)
Flora Bank & Trust offers CD terms of 182 days up to 60 months.
CD rates are subject to change. Contact an FB&T representative for the latest rate information.
