Checking and Savings Terms and Conditions


Our terms & conditions are broken down into two types of accounts:

Checking Accounts



First Reward Free Checking

More information about our First Reward Free Checking account, including terms and conditions »

Freedom Checking

Inactive Service Charge Fee: $10.00


Interest-Bearing Accounts

Flora Bank & Trust offers several interest-bearing accounts. Because interest rates on these accounts are subject to change frequently, the rate paid on the account is not quoted on this page, but is available on our Deposit Rates page or upon request. The interest paid is calculated based on the average daily collected balance of your account.


Overdraft Privilege (ODP) (for qualified account holders)


Overdraft Privilege (ODP) (for qualified account holders)






1 The stipulations and charges governing individual types of accounts are listed under each respective account.
2 Minimum balance does not apply to students.





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