PERSONAL CHECKING ACCOUNTS

We offer a variety of checking accounts with beneficial services to meet your financial needs. Whether you’re looking for a free checking or one that pays you interest on your money, we have an account perfect for you! 

 

All of our personal checking accounts offer:

*Online Banking                              *No Annual Fee for First State Bank ATM/Debit Card

*Mobile Banking                             *Direct Deposit Available

*Online Bill Pay                                *Optional E-Statements – Electronic Delivery of Statements

*Mobile Deposit Capture               *Check Safekept option (imaged checks return option for a monthly service charge fee of $2.00)

Go-E Account
An account perfect for customers who rarely write a check and who prefer to access their funds electronically or with a Debit Card. 
  • Minimum opening deposit of $10.00
  • No minimum balance requirement after the opening deposit
  • Non-interest bearing account
  • A service charge fee of $0.30 for each check paid/non-electronic debit during a statement cycle

Balance Checking
For customers who want free checking by maintaining a required balance.
  • Minimum opening deposit of $300.00
  • Minimum daily balance of $300.00 required
  • Non-interest bearing account
  • $7.50 monthly service charge fee if the minimum balance is not maintained

Now Account
The perfect account for customers with higher balances who want the funds in their checking account to earn interest.
  • Minimum opening deposit of $1,000.00 
  • Interest accrues daily and compounds monthly if a minimum balance of $1,000.00 is maintained each day of the statement cycle
  • $7.50 monthly service charge fee if minimum balance is not maintained

Advantage Account
For customers 50 years of age and older who want checking advantages.
  • Minimum opening deposit of $10.00
  • Interest accrues daily and compounds monthly if a minimum balance of $1,000.00 is maintained each day of the statement cycle
  • Personalized check blanks at no extra cost
  • No monthly service charge fee

1st Choice Checking
For customers who want a value added checking account.
  • Minimum opening deposit of $10.00
  • Interest accrues daily and compounds monthly if a minimum balance of $1,000.00 is maintained each day of the statement cycle
  • Personalized club checks provided
  • $10,000.00 Accidental death and dismemberment insurance coverage
  • Interest rate reduction of 0.50% on non-real estate consumer loans
  • Reduction of $70.00 on closing costs on closed-ended residential mortgages
  • $6.00 Monthly service charge fee

Call us at 320-352-5771 for more information or to set up an appointment to open your account today!