Online Services

Gulls on the Florida Coast

Personal Deposit Accounts

Star mark from Flagship Bank logo

Our customers benefit from our winning combination of people, service, and convenience.  No matter your stage in life. we have the accounts, services and personnel to optimize your banking experience.  You will always find the right account for your needs at Flagship Bank.

Prime Plus Checking*
Open
  • $100 minimum deposit to open
  • Tiered interest rate structure
  • Interest compounded daily
  • $1,000 Minimum Collected Balance needed to earn interest
  • $10 Monthly Maintenance Fee; maintenance fee can be avoided by maintaining a $500 minimum daily balance or a $1,500 average daily balance
  • Unlimited check writing
  • FREE first order of “Select” Checks
  • FREE Online Banking & Bill Pay
  • FREE Debit MasterCard
  • FREE Cashiers Checks
  • Check Imaged Paper Statement or E Statement Available.

* requires a secure checking account.

Secure Checking
Open
  • $100 Minimum Deposit to Open
  • No Minimum Balance Requirement
  • Tiered Interest Rate Structure
  • Interest Compounded Daily
  • $1,000 Minimum Collected Balance needed to earn interest
  • Unlimited Check Writing
  • $4.95 Monthly Service Charge
  • FREE Personalized “Select” Checks (2 boxes per year)
  • FREE Online Banking & Bill Pay
  • FREE Debit MasterCard
  • FREE Cashiers Checks
  • FREE 3×5 Safe Deposit Box (Subject to availability)
  • Check Imaged Paper Statement or E Statement Available

You can rest easy knowing that you and your family are protected by these additional security benefits:

  • Credit File and Total Identity Monitoring
  • 3-in-1 Credit Report with single bureau Credit Score (every 90 days) or upon receipt of a credit alert
  • Debit and Credit Card Registration
  • Fully Managed Identity Theft Resolution Services
  • Identity Fraud Expense Reimbursement Coverage

Benefits above are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner, businesses and their employees, clubs and/or churches and their members schools and their employees/students.

Contact us for more information on the additional benefits included in this account.

FDIC Disclosure

  • Registration/activation/enrollment required.
  • Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
  • IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 26 years of age and parent(s) who are residents of the same household.
Basic Checking
Open
  • $100 Minimum Deposit to Open
  • No Minimum Balance Requirement
  • No Monthly Maintenance Fee
  • Unlimited Check Writing
  • FREE Online Banking & Bill Pay
  • FREE Debit MasterCard
  • E Statement – Check Imaged Paper Statement Available
Relationship Personal Money Market
Open

Enjoy the same great benefits as our Personal Money Market but at a higher rate…because we value you and your banking relationship.

  • Earn a preferred rate with an Active* Flagship Checking Account
  • $100 minimum deposit to open
  • Tiered interest rate structure
  • Interest Compounded Daily
  • $1,000 Minimum Collected Balance needed to earn interest
  • $10 Monthly Maintenance Fee; maintenance fee can be avoided by maintaining a $2,500 minimum daily balance or a $2,500 average daily balance
  • Six (6) preauthorized debit transactions or debits by check or draft to a third party allowed per monthly statement cycle. Additional debits or checks/drafts are $10 each regardless of balance
  • FREE Online Banking
  • Check Imaged Statement

*Active checking account required to qualify for Flagship Relationship products. Active is defined as an account that is not inactive and has had transaction activity during a nine-month period.

Prestige Money Market
Open
  • $100 minimum deposit to open
  • Tiered interest rate structure
  • Interest compounded daily
  • $1,000 Minimum Collected Balance needed to earn interest
  • $10 Monthly Maintenance Fee; maintenance fee can be avoided by maintaining a $2,500 minimum daily balance or a $2,500 average daily balance
  • Six (6) preauthorized debit transactions or debits by check or draft to third party allowed per monthly statement cycle. Additional debits or checks/drafts are $10 each regardless of balance
  • FREE Online Banking
  • Check Imaged Paper Statement or eStatement available
Relationship Savings
Open

Enjoy the same great benefits as our Personal Savings but at a higher rate…because we value you and your banking relationship.

  • $100 minimum deposit to open
  • Earn a preferred rate with an Active* Flagship Checking Account
  • Interest compounded daily
  • $300 Minimum Collected Balance needed to earn interest
  • $5 Monthly Maintenance Fee; maintenance fee can be avoided by maintaining a $300 minimum daily balance or a $300 average daily balance
  • Six (6) pre-authorized debit transactions allowed per month; additional debits are $3 each per monthly statement cycle. All debits in excess of six (6) per cycle are $3 each regardless of balance
  • FREE online banking

*Active checking account required to quality for Flagship Relationship products.  Active is defined as an account that is not inactive and has had transaction activity during a nine month period.

Personal Savings
Open

Looking toward the future? Start saving today and watch your money grow with our Personal Savings Account!

  • $100 minimum deposit to open
  • Interest compounded daily
  • $300 minimum collected balance needed to earn interest
  • $5 monthly maintenance fee; maintenance fee can be avoided by maintaining a $300 minimum daily balance or a $300 average daily balance
  • Six (6) pre-authorized debit transactions allowed per month; additional debits are $3 each per monthly statement cycle. All debits in excess of six (6) per cycle are $3 each regardless of balance.
  • FREE Online Banking
Minor Savings
Open

It’s never too early to begin!  Create a brighter tomorrow for a child by starting to save for them today!
(Under the Age of 18)

  • $10 minimum deposit to open
  • Interest compounded daily
  • No minimum balance needed to earn interest
  • No monthly maintenance fee
  • Six (6) pre-authorized debit transactions allowed per month; additional debits are $3 each per monthly statement cycle. All debits in excess of six (6) per cycle are $3 each regardless of balance.
  • FREE Online Banking
Personal Time Deposits
Open

Earn a higher rate of interest with a Flagship Bank Certificate of Deposit.  Whether you prefer your money to earn a competitive rate of interest in just a few days or in several years, we offer a variety of certificates ranging in terms of seven days to five years.  All our CDs are FDIC-insured up to the maximum allowed by law.

  • $1,000 minimum deposit to open
  • Interest compounded daily
  • Flexible terms
  • Guaranteed interest rate for a fixed term
  • Member FDIC
  • Penalties apply for early withdrawal
Individual Retirement Account (IRA)
Open

Need to start investing for retirement?  It’s never too early to open an IRA account, a tax-efficient way to save for retirement. Need to Rollover from an existing IRA or Employer Plan? Let us show you how!

  • $1,000 Minimum Deposit to Open
  • No Administration Fees
  • Traditional IRA and Roth IRA Available
  • Interest Compounded Daily
  • Guaranteed Interest Rate for a Fixed Term
  • Flexibility to Choose a Term that Fits Your Investment Needs
  • Significant penalties will apply for early withdrawal
  • Member FDIC
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