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Free Checking Account

Bank the easy way with Forward Bank’s Free Checking account. No fees. No minimums. Just the freedom and convenience you expect from a trusted Wisconsin and Minnesota community bank.

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    Free Checking Account Features

    Discover the simplicity and convenience of our Free Checking account. It’s designed to give you easy access to your money without any hidden costs or minimum balance requirements. Enjoy the freedom of managing your finances with a local community bank that understands your needs, whether you’re in Wisconsin or Minnesota.

    • No minimum to open: Get started with your free checking account with no initial deposit required. Open your account online in just a few minutes or visit any branch to begin banking your way.
    • No monthly fee: Enjoy hassle-free banking with no maintenance fees. There are no surprise charges or balance requirements, just straightforward, transparent banking.
    • Unlimited monthly transactions: Manage your money with unlimited transactions every month. Make as many purchases, payments, or transfers as you like without worrying about limits.
    • Free debit card: Access your funds easily with a complimentary debit card. Use it for everyday purchases, online payments, and access to thousands of ATMs nationwide.
    • Digital banking: Bank anytime, anywhere with secure online and mobile banking options. Deposit checks, pay bills, set up alerts, and manage your accounts right from your phone or computer.
    • Overdraft protection: Keep your account covered with optional overdraft protection. You can link your savings account or line of credit to avoid declined transactions or overdraft fees.

    Unlock the Value of a Free Checking Account

    Is a Free Checking Account Right for You?

    Choosing the right checking account should feel simple and straightforward. Our Free Checking account is made for people who want reliable banking without fees or fine print.

    It’s a great fit if you:

    • Want simple, no-fee banking with no minimum balance to maintain
    • Do most of your banking online or with your debit card
    • Like having unlimited transactions and easy access to your money
    • Appreciate friendly, local support when you have a question

    Not sure? If you’re looking for an account that earns interest or includes additional perks, check out our Momentum or Premium Fast Forward Checking options. For everyday, stress-free banking, Free Checking is the perfect choice.

    Choose the Best Checking Account for You

    • Feature
    • Premium Fast Forward Checking
    • Momentum Checking
    • Free Checking
    • Feature
    • Minimum to Open
    • Monthly Fee
    • Monthly Transactions
    • Interest Posted
    • Minimum Balance to Earn Interest
    • Debit Card
    • Digital Banking
    • Overdraft Protection
    • Actions

    I would describe my experience with Forward as professional and consider the organization I have gained by working with them a success! I also appreciate how friendly, prompt, and courteous the staff is. I was recommended by family and would tell others to “just do it” if they are considering switching to Forward.

    Ed Stewart

    Stanley, WI

    They [frontline] have been really helpful and courteous, and really try to understand the struggles us older people can have with technology. We enjoy seeing the young people working and being patient with the elderly, and see their work ethic and kindness as an example of all of Forward.

    John & Kay Tanneberg

    Marshfield, WI

    I enjoy coming to this bank because everyone is so friendly and smiley.

    David Cella

    Park Falls, WI

    Moving Everyday Banking Forward

    Open your Free Checking account online today and experience the benefits of banking with a trusted, local community bank. At Forward Bank, serving Wisconsin and Minnesota, we’re committed to providing you with simple, secure, and truly fee-free banking that fits your lifestyle.

    If you need assistance or have questions, our friendly local team is here to help every step of the way—whether you’re opening your first account or switching from another bank.

    Get started today and enjoy the convenience, personal service, and peace of mind that come with banking locally with Forward Bank.

    Frequently Asked Questions

    Explore answers to some of the most common questions about checking accounts.

    More ways to move forward.

    Insurance and Investment products are *Not FDIC Insured *No Bank Guarantee *May Lose Value *Not Insured by Any Federal Government Agency *Not a Deposit