Effective June 29, 2020, all 12 of our branches are fully open. Visit our Locations page to learn more.

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Checking

Keeping it simple is what we’re all about. Every First State Bank checking account comes with the online and mobile tools you need to easily manage money on the go. Add to this the convenience of 43,000+ surcharge-free ATMs nationwide and customer service folks who get you answers 24/7 and you’ve got the kind of convenience that only your hometown bank can deliver.

All you have to do is pick the right checking account for you:

Everyday Checking

Right for you if you want a fully loaded account without a lot of fees. Everyday Checking is fee-free¹ with eStatements.

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NO Monthly Service Charge

NO Minimum Average Monthly Balance

NO Interest

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Premium Account

Right for you if you want an account that’s the best of both worlds – the accessibility of a checking account with the interest-earning potential of a savings account.

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$14 Monthly Service Charge

$1,000 Minimum Average Monthly Balance

.05%-.20% Tiered Interest

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Use as checking, savings or both
Unlimited transactions
Paper and eStatements ($3 value per month)
Free personalized debit card ($9.95 value)
Use of any ATM without incurring fees from First State Bank¹
No transfer fee when covering an overdraft from another account ($10 value per occurrence)
No annual fee for Home Equity Lines of Credit ($50 value)
$200 off closing costs on a First State Bank Mortgage
Cash (up to $25) for unused checks and debit cards²
Overdraft protection

1. Use of non-First State Bank ATMs not included in the Allpoint Surcharge Free Network may result in ATM fees charged by First State Bank and the ATM owner. Fees may be charged for overdrafts and other services.

2. A credit of $2 per check pad/book for your unused checks and $2 for your old ATM or debit card from another financial institution will be paid within two business days of receiving them, up to $25.

Rates & Fees

Competitive interest rates that increase as your balances grow
Monthly service charge: $14
Minimum average monthly balance to avoid service charge: $1,000

Balance	Interest Rate	APY*
Less than $2,499	.05%	.05%
$2,500-$9,999	.10%	.10%
$10,000-$24,999	.10%	.10%
$25,000-$49,999	.15%	.15%
$50,000-$99,999	.15%	.15%
$100,000 and up	.20%	.20%

Rates current as of: July 12, 2020

Minimum to open: $100

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

Classic Checking

Right for you if you’d like your money to work harder for you – earn a competitive interest rate on higher balances. Classic Checking is fee-free¹ with eStatements.

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