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Personal Checking Options

FEATURES & BENEFITS FREEDOM CHECKING REGULAR CHECKING ADVANTAGE CHECKING (55+) STUDENT CHECKING PERSONAL MONEY MARKET NOW ACCOUNT
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
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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, and direct deposit to open this account.

 

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
    AMOUNT BALANCES OF
    $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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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “non-interest bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “non-interest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyers Trust Accounts (IOLTAs). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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