or call us at 812-667-5101
Friendship Advantage Checking Account
A simple, convenient, and transparent account tailored for you.
Enjoy Convenience and Accessibility
Manage your account at your convenience with online and mobile banking.
Real bankers answer when you call and convenient locations throughout Southeastern Indiana.
Access your cash at 55,000+ Friendship State Bank and Allpoint ATMs globally.
Experience Affordability and Transparency
No monthly fee with a $250 minimum daily balance OR just $5/month.
No hidden charges and no extra requirements like direct deposits or debit card transactions.
E-statements or Paper Statements: Your choice. No fee.
Connect with Community and Security
Rely on top-notch security and debit card fraud monitoring.
Personalized service from friendly, knowledgeable Friendship bankers.
Rely on Friendship to give back to the organizations and causes that help your community thrive.
Ready to Open Your Checking Account?
Step One: Open your Friendship First checking account. 
Step Two: Set up direct deposit and transfer automatic payments.- Complete the Direct Deposit Transfer Request Form.
- Submit the Form: Give the form to your employer's Human Resources or payroll processing contact.
- Check for Online Setup: Ask your employer if you can set up direct deposit through an employee portal.
Download Direct Deposit Transfer Request Form(Opens in a new Window)
-
Complete the Automatic Payment Change Form.
-
Submit the Completed Form: Provide the completed form to each payee or biller.
Download Automatic Payment Change Form(Opens in a new Window)
-
Use the Bill Pay Worksheet: Record your current online bill payment information from your old online banking account.
-
Set Up Your Bill Payees: Enter this information into your Friendship State Bank digital banking account.
Download Bill Pay Worksheet
Step Three: Close your old account.- Verify Transactions: Ensure all outstanding checks and debit card transactions have cleared your old account.
- Confirm Deposits and Withdrawals: Make sure direct deposits and automatic withdrawals are showing on your Friendship State Bank statement.
- Close Your Old Account: Contact your former bank to close old account.
How Does This Compare?
| Friendship First | Friendship Advantage | Student Checking | |
|---|---|---|---|
| Opening Balance | $100 | $250 | $50 |
| Monthly Fee |
$0 with $100 minimum daily balance OR
$2.50/month
|
$0 with $250 minimum daily balance OR
$5/month
|
$0 with e-statements
OR $2/month
|
| Earns Interest | No | Yes | No |
| Paper Statements | Free | Free |
$2/month
|
| Free Checks | No | First 30 Checks Free |
No
|
Overdraft Coverage Program: We offer an overdraft coverage program for qualifying accounts. We strive to pay checks written on overdrawn accounts at our discretion. The fee is $30 per item. The item is paid and the account is saved any fees that may have been incurred for items returned NSF (nonsufficient funds) as well as fees imposed by the depositor. Please contact us for full details and policy disclosures.
Still have questions?
or call us at 812-667-5101
How do I open a checking account? Can I open one online?
Visit one of our locations(Opens in a new Window) to open your account in person. Be sure to take your photo identification that includes your current address.
How to apply online.
- Select your account and choose Apply Now(Opens in a new Window) to go to the application.
- Enter and verify your information.
- Once approved, you’ll receive a secure notification from our deposit specialist.
- Review and sign via our secure e-signature platform.
- Make your first deposit and start enjoying better banking immediately.
In most cases, you’ll get your debit card(Opens in a new Window) the very same day you open your account. That’s right—when you leave our branch, your debit card will be in hand and ready to use immediately.
How do I get the Friendship State Mobile App?
You can download our free mobile banking app from the Apple App Store(Opens in a new Window) or Google Play Store(Opens in a new Window). Simply log in using the credentials provided at account opening. Through the app or on your desktop, you can easily manage your transactions, debit card, bill payments, and more.
What are your ATM fees?
Great news! We’ve partnered with the Allpoint ATM Network(Opens in a new Window), giving you fee-free access to 55,000 ATMs worldwide. For non-Allpoint or non-Friendship ATMs, a $0.50 fee will be reflected on your statement at the end of the month.
How can I transfer money between my Friendship accounts and another bank?
Transferring money between your Friendship State Bank account and another bank is simple with our bank-to-bank transfer feature, available through both our online and mobile banking platforms. For security reasons, the initial setup requires a quick visit to one of our branches. Once you're set up, you'll enjoy seamless transfers at your convenience. Contact us(Opens in a new Window) for more details.