Personal Bank Accounts

Low costs, great rates. That's what Flagship has to offer. Accounts for any lifestyle.

Open Online Today

Easy. Honest. No-nonsense.

Flagship accounts are designed to match the way you bank. We make personal accounts simple, yet able to be customized to meet your specific financial needs.

Personal Checking Accounts

Flagship provides a number of different checking account options to fit any lifestyle. Whether you're looking for a low-cost, straightforward checking account, or an account with a competitive rate to watch your money grow. Flagship has the right account for you.

Learn More
personal checking accounts

All personal bank accounts include access to:

  • Online Banking
  • eStatements
  • Mobile Banking including mobile deposit
  • CardValet the mobile app that let's you control debit card usage and spending on the go
  • Bill Pay
  • Optional overdraft protection services
  • Free debit card
  Core Checking Advantage Checking Premium Checking Gold Checking
Designed for Members Looking for no strings and no hassles Wanting to earn interest while managing their day-to-day finances Wanting to earn more and save more. 55 years or older
Minimum Balance to Open $50 minimum balance to open $500 minimum balance to open $2,500 minimum balance to open $50 minimum balance to open
Minimum Daily Balance1 No minimum balance requirement $500 minimum daily balance requirement $2,500 minimum daily balance requirement No minimum balance requirement
Service Charge $4.95 service charge per statement cycle; waived with eStatements $5 service charge per statement cycle if daily balance falls below $500 $10 service charge per statement cycle if daily balance falls below $2,500 No monthly service charge
Earns Interest No Interest Tiers Interest Tiers Interest Tiers
Extra Features Check images included in
your bank statement		 Check images included in
your bank statement		 Check images included in
your bank statement

Free basic wallet checks
(one box per order)		 Check images included in
your bank statement

Free basic wallet checks
(one box per order)

1) To avoid service charge.
See the Current Deposit Rates for disclosures on rates, compounding and crediting, and other information.

Ready to open your personal bank account?

Yes, lets go!

Personal Savings Accounts

A savings account allows your money to work for you. Our Regular Savings account is the perfect account to start up your savings account. Ready for more of a competitive interest rate? Our Money Market account offers one of the best interest rate tiers in the metro. The more you save, the more you'll earn.

Learn More
personal savings account

All personal bank accounts include access to:

  • Competitive interest rates
  • Online banking
  • eStatements
  • Ability to link to any checking account for overdraft protection
  • Mobile Banking
  • Ability to set up automatic transfers to reach your savings goals faster
  Savings Money Market Private Wealth Money Market Super Kids Savings Health Savings Account
(HSA Checking)
Designed For Members Looking to start putting money aside Looking to earn more from their investment Wanting our most competitive interest rate 17 and under Must be in a high deductible health plan
Minimum Balance to Open $50 minimum balance to open $2,500 minimum balance to open $100,000 minimum balance to open No minimum balance to open $50 minimum balance to open
Minimum Daily Balance1 $50 minimum daily balance requirement $2,500 minimum daily balance requirement $2,500 minimum daily balance requirement No minimum balance requirement No minimum balance requirement
Service Charge $5 service charge per month if daily balance falls below $50 $10 service charge per statement cycle if daily balance falls below $2,500 $10 service charge per statement cycle if daily balance falls below $2,500 No monthly service charge $4.95 service charge per statement cycle; waived with eStatements

1) To avoid service charge.
See the Current Deposit Rates for disclosures on rates, compounding and crediting, and other information.

Are you ready to start saving?

Let's do it!

Personal Credit Cards

A credit card is a great way to manage your expenses and build your credit. Our card options are simple and designed for all walks of life. Plus we offer a variety of exciting rewards options that work for you.

Learn More Apply Now
personal credit cards

Choosing the right credit card is easier than ever.

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Find out how easy it is to open a credit card

Apply Now

Join the crowd. We're here to help. Contact one of our great bankers today.

Let's Do This
Legal Logos
©2023 Flagship Bank Minnesota, All rights reserved. Member FDIC, Equal Housing Lender NMLSR ID#410830