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Locations & ATMS

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Open With... $250 $250 $250 $250 $1,000 $250
Minimum Balance to Avoid Fees None $750 None None $1,000 $1,000
Monthly Fee $0 learn more $0 $0 learn more learn more
Free Online Banking with Bill Pay plus plus plus plus Online Banking only plus
Free Electronic Statements plus plus plus plus plus plus
Earns Interest         plus plus
Free Checks     plus      


FREEdom Checking

Our newest and most convenient checking account yet, FREEdom Checking is designed with customers in mind. FREEdom Checking is a completely free account and offers free online banking and access to a network of over 10,000 ATMs nationwide with NO FEES! Don't be confined by your checking account — our FREEdom checking gives you the FREEdom to manage and move your money 24 hours a day — all without charging you a penny! Must have online banking, debit or ATM card, electronic statements, and direct deposit to open this account.

*If you have had problems opening a checking account, our Bank On Save Up program may be helpful to you. Through the Bank On Save Up program, a special version of our Freedom Checking account may be available to customers with no current bank account relationship who have had trouble opening and maintaining a checking account at other institutions.  This special account offers a low $50 balance to open, and has no minimum balance or direct deposit requirements. Let our Freedom Checking Account provide you with a clear step towards financial freedom!


Regular Checking

For maximum versatility, ask for our Regular Checking account and discover the value of this convenient personal account!

  • Unlimited check-writing privileges
  • First State Bank Visa® CheckCard available. Apply now.
  • Customized checks available
  • Open with $250
  • With $750 minimum balance, you avoid monthly service charges
    $4.00 $500-$749.99
    $5.00 $250-$499.99
    $6.00 below $249.99
  • Multiple account relationships can, at customer's request, be combined to lower fees.
    Ask your bank representative about this feature.


Advantage Checking

Seniority has privileges at First State Bank. Get all the benefits you deserve with Advantage Checking.

  • Available to customers age 55+ (limit one account per person)
  • No monthly service charge or minimum balance requirement
  • Unlimited check-writing privileges
  • FREE checks (basic style)
  • Open with $250
  • First State Bank Visa® CheckCard available at no cost. Apply now.


Student Checking

The perfect account for an up-and-coming entrepreneur or the nearly independent college student!

  • No monthly service charge or minimum balance requirement
  • Unlimited check-writing privileges
  • Open with $250
  • Available to full-time students (limit one account per student — limit age 23.)
  • First State Bank Visa® CheckCard available at no cost. Apply now.


Personal Money Market

For those who carry a higher account balance, Money Market Interest may interest you!

  • Earn interest on your account balance
  • With $1,000 minimum balance, you avoid a $10 monthly service charge
  • Unlimited in-bank withdrawals
  • Interest compounds and is paid monthly
  • Preauthorized withdrawals, transfers, and third-party checks limited to six per month.
  • Open with $1,000


NOW Account

For maximum benefits in a checking account, ask for the NOW Account. Earn interest while enjoying all the advantages of this account!

  • Earn interest on your balance
  • Interest compounds and is paid monthly
  • Unlimited check-writing privileges
  • With a $1,000 minimum balance, you avoid a $10 monthly service charge
  • Open with $250
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Equal Opportunity Lender

To report a lost or stolen Debit or ATM card during normal banking hours, please call 636-940-5555. If it is after hours, call 800-554-8969 and then call the bank on the following business day to order a replacement card.

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