It's kind of a big deal.

3.5% APY+

High-Yield Savings Account

High-Yield Savings Account
APY Guaranteed Through 1/30/2026+

Give your bucks a boost with our new High-Yield Savings Account. With a great rate, guaranteed return, and 100% deposit insurance coverage, it’s kind of a big deal.

Account Details+

  • $10 minimum opening deposit
  • Initial qualifying rate is guaranteed through 1/30/26.
  • Debit card and online/mobile banking access is available.
  • Account owner or co-owner must have a consumer checking or NOW account with Florence Bank and maintain a minimum aggregate daily balance of $5,000.00 in that account.

Already have a Florence Bank Checking Account?

Get Started

Need to open a Florence Bank Checking Account? No worries.

Click on the Get Started button below the checking account of your choice and open a checking and a High-Yield Savings account at the same time.

All Florence Bank checking accounts feature:


Three kinds of free. All kinds of perks.




Free Checking

Very few things in life are free. And even fewer still come with a long list of extras. At Florence Bank, our Free Checking account is the exception to the rule.

 

  • Unlimited check writing with no per-check fees
  • Debit Card for convenient shopping and easy withdrawals at ATMs
  • EZ $ave account that helps you build up your savings balance

  • Receive direct deposits up to two days early***

 
 
 
 
 

Cashback Checking*
It's the easiest money you'll make all month. Just use your Florence Bank debit card to pay for everyday purchases, and you could earn 2% cash back.

  • Earn 2% cash back on purchases*
  • ATM fees refunded nationwide*
  • Debit Card for convenient shopping and easy withdrawals at ATMs
  • EZ $ave account that helps you build up your savings balance
  • Online eStatements that give you a quick, secure look at your monthly transactions

  • Receive direct deposits up to two days early***

 
 

Rewards Checking**
There's nothing better than having your hard-earned money earn even more money. Attractive interest payments are just one of the many features of this do-everything checking account.

  • Earn competitive interest on checking balances**
  • ATM fees refunded nationwide**
  • Debit Card for convenient shopping and easy withdrawals at ATMs
  • EZ $ave account that helps you build up your savings balance
  • Online eStatements that give you a quick, secure look at your monthly transactions

  • Receive direct deposits up to two days early***

 
















 

+Account owner or co-owner must have a consumer checking or NOW account with Florence Bank.  The default interest rate on your account is 0.05% with an annual percentage yield (APY) of 0.05%.  Your interest rate and APY may change. If the owner’s and co-owner’s cumulative checking account balances are at least $5,000 each day during the statement cycle, the qualifying interest rate of 3.45% with an APY of 3.50% will be paid to the High-Yield savings account. The qualifying rate and APY are guaranteed until January 30, 2026.  You must deposit $10.00 to open this account. Fees may reduce earnings on this account.  Offer may be withdrawn at any time.

*To earn 2% cash back (up to $10) on debit card purchases posted to your account, and refunds of nationwide ATM fees incurred during each monthly statement cycle, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and must have at least one deposit post during each monthly statement cycle. If requirements are met, we will post cash back rewards to your account and refund ATM fees on the last business day of the monthly statement cycle. ATM fee refunds may be reportable as miscellaneous income.

** To qualify for the highest interest rate and refunds of nationwide ATM fees, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and, have either one Direct Deposit or one ACH Auto Debit post to your account during each monthly statement cycle. If requirements are met, we will post interest to your account and refund ATM fees on the last business day of the monthly statement cycle. If you do not meet these qualifications, you will receive the Rewards Checking Base Rate on the principal balance. ATM fee refunds may be reportable as miscellaneous income.

***Early access to funds is not guaranteed.