# Frandsen Bank Trust Real Results Checking: 6.17% APY

Canonical: https://dealaka.com/offers/frandsen-bank-trust-real-results-checking-rate

- Status: Limited reports
- Bonus: 6.17% APY
- APY: 6.17% (ongoing APY)
- Requirement: $500 DD + 12 debit txns monthly
- Expires: no published end date
- Availability: Nationwide
- Institution: Frandsen Bank & Trust
- Verified: Aug 18, 2026 against frandsenbank.com
- Field reports: 0

## Summary
Earn 6.17% APY on balances up to $10,000 when you receive at least $500 in direct deposits and make 12 posted debit card purchases each month. Below $10,000 the rate ranges from 0.01% to 6.17% depending on balance when qualifications are met. The rate is 0.01% when qualifications are not met.

## Requirements
1. Receive at least $500 in direct deposits during the statement cycle.
2. Make 12 posted debit card purchases during the statement cycle.

## Fine print that matters
- When premium interest rate conditions are met and your daily available balance is over $10,000, the APY will range from 0.01 - 6.17%, depending on the balance in the account.
- When premium interest rate conditions are not met, the APY is 0.01% on the entire daily available balance.
- Rates effective as of Jan. 1, 2026. Rates are subject to change without notice at any time at the discretion of Frandsen Bank Trust.
- Fees may reduce earnings.
- Excludes automated teller machine (ATM) withdrawals.
- Posted debit card purchases do not include pending or pre-authorized purchases.
- Without the monthly qualifications the rate is 0.01% APY.

## Sources
- frandsenbank.com rate page <https://www.frandsenbank.com/> (checked Aug 18, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._