At First State Bank, we have a checking account to fit your needs. Whether you'd like a simple account or one that provides you with lots of useful features; compare our checking accounts and find the one that's just right for you!

Account Type More Info Minimum to Open Interest Banking Monthly Service Charge Product Inquiry Form
Regular Checking More» $50.00 No Yes $7.00
Avoid this Fee*
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Regular Checking

A personal checking account with all the benefits and unlimited check writing, for a low monthly service charge.

Account Features
  • 20 Free Starter Checks
  • Free Online Banking
  • Free Electronic Statements
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Discount on installment loans with automatic debit
  • Bounce Protection available - Limit $500 on qualifying accounts. Ask a representative for details.

* To avoid the monthly service fee you must maintain a $500.00 minimum daily balance or $1000.00 average daily balance in this account.

Personal Checking More» $50.00 No No Inquire

Personal Checking

A no maintenance fee checking account for senior citizens age 65 and over, and anyone receiving a direct deposit into the account.

Account Features
  • No Monthly Service Charge with Direct Deposit
  • No Minimum Balance
  • 20 Free Starter Checks
  • Free Online Banking
  • Free Electronic Statements
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Discount on installment loans with automatic debit
  • Bounce Protection available - Limit $500 on qualifying accounts. Ask a representative for details.

The account will automatically be converted to a regular checking account if direct deposit is discontinued.

Student Checking More» $25.00 No Yes $5.49
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Student Checking

An account designed specifically for busy students age 23 and younger.

Account Features
  • No minimum balance
  • Refunded ATM fees (up to $10 per statement cycle)
  • No monthly service charge with E-Statements
  • 20 Free Starter Checks
  • Free Online Banking
  • Free Mobile Banking
  • Free Bill Pay
  • Free FSB FastDeposit
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Identity Theft monitoring available

* To avoid the monthly service fee you must enroll for E-Statements.

Homeowners Advantage Checking More» $50.00 Yes No Inquire

Homeowners Advantage Checking

This account earns a current market interest rate calculated on the daily ledger balance over $750 and interest is credited monthly. Proof of home ownership is needed to open account.

Account Features
  • No Monthly Service Charge
  • No Minimum Balance
  • Tiered Interest Paid on all balances over $750
  • 20 Free Starter Checks
  • Free safe deposit box for 1 year up to 3x10 size
  • 4 Free Cashiers Checks per month
  • Free Online Banking
  • Free Electronic Statements
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Discount on installment loans with automatic debit
  • Free appraisal for Home Equity line of credit
  • Bounce Protection available - Limit $750 on qualifying accounts. Ask a representative for details.
NOW Account More» $50.00 Yes Yes $6.00
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NOW Account Checking

Earns a current market interest rate calculated on the daily ledger balance with interest credited monthly.

Account Features
  • Interest Paid on all balances
  • All the convenience of regular checking with money market rates
  • 20 Free Starter Checks
  • Free Online Banking
  • Free Electronic Statements
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Discount on installment loans with automatic debit
  • Bounce Protection available - Limit $1000 on qualifying accounts. Ask a representative for details.

Account pays a variable rate of interest based on the daily ledger balance. If account is closed prior to posting date, all interest for that time period is forfeited.

** To avoid the monthly service fee you must maintain a $750.00 minimum daily balance or $1,500.00 average daily balance in this account

Main Street Rewards More» $50.00 Yes Yes $5.49
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Main Street Rewards Checking

You can determine the rate of interest paid on your account balances.

Account Features
  • High rate of interest with qualifying debit card transactions
  • No minimum balance to earn interest
  • A $0.10 rebate for each signature based debit card transaction
  • Refunded ATM fees
  • No monthly service charge with E-Statements
  • 20 Free Starter Checks
  • Free Online Banking
  • Free Bill Pay
  • Free ATM/ Visa® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Bounce Protection available - Limit $750 on qualifying accounts. Ask a representative for details.

* To avoid the monthly service fee you must enroll for E-Statements.

Click Here for full account disclosure.

Click here to see our Current Rates

Special Note for Interest Bearing Accounts: The interest rate and annual percentage yield may change at any time at the discretion of First State Bank. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). Fees could reduce earnings.

Switch Kit

Take a look at your current accounts, then take a look at First State Bank. We have custom solutions to fit your unique needs. We can help you transfer your accounts to First State Bank- hassle free!

Click here for our Switch Kit

Ready Reserve with your checking account

Link a Ready Reserve line of credit (subject to qualification) to any First State Bank checking account. Avoid overdraft fees. Sometimes life demands a back-up plan. Ready Reserve provides a safety net for your checking account in the event the account becomes overdrawn. There's no fee for Ready Reserve, unless you use it!

Negative Balance Protection with your checking account

Attach a First State Bank savings account to your checking account and avoid overdraft fees. If you're overdrawn, funds will automatically transfer in $100 increments from the savings to the checking to bring the account to a positive balance.

A transfer fee applies, limited to 6 preauthorized transfers per month.

Bounce Protection with your checking account

Bounce Protection is an overdraft privilege requiring no action on your part. First State Bank may honor overdrafts up to the Bounce Protection limit on your account. If you use Bounce Protection, you should remember the bank's normal NSF fee for each transaction will be deducted from your account.

Reorder checks

Reorder checks from Deluxe Corporation.