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At First State Bank and Trust, your money works a little harder for you. All of our business checking accounts feature a no-fee Debit MasterCard® Business Card. Plus, our Commercial Overdraft Protection Line of Credit allows you to write yourself a loan, protecting yourself from accidental overdrafts. This Overdraft Protection Line of Credit is attached to your checking account, transferring money automatically in the event of an overdraft.

Description Business Checking Business Checking with Interest Small Business Checking Business Value Checking
Minimum to Open $100 $100 $100 $100
Minimum Balance None None None $250
Monthly Maintenance Charge $11* $11 $9 $5 if balance falls below minimum
Activity charge per debit item $0.15* $0.15 100 free items; $0.50 thereafter 50 free items; $0.50 thereafter
Activity charge per deposit item $0.10* $0.10 100 free items; $0.50 thereafter 50 free items; $0.50 thereafter
Earnings Credit Yes No No No

Non-profit eligible for any account.


*The monthly maintenace and activity charges, if any, are determined by the transaction volume and average balance.  These charges are then offset by an earnings credit.  On request, we will calculate an estimate of the typical monthly charges.

Add Internet Banking to gain 24-hour banking convenience: Log on anytime to transfer funds between accounts, verify balances, look up canceled checks…even download monthly statements directly to your accounting software!

Financial needs change as a business grows. Our business banking team can anticipate your next challenge and introduce you to the financial tools needed to build your success. From your first checking account, to a construction loan for your new headquarters…we're here for you. We can help with the following: Checking, Savings, Cash Management, Loans and other Conveniences and Services.

According to State and Federal regulations, certain business documents must be presented at the bank when you open a business account. Here's what you'll need to open specific business accounts:

Sole Proprietor
Certificate of Assumed Name (only if your full name is not included in the business name)
Social Security Number or EIN Federal Tax Number

Articles of Incorporation (filed with state)
Corporate Resolution for Signers
EIN Federal Tax Number

General Partnership
Copy of Partnership Agreement
EIN Federal Tax Number
Certificate of Assumed Name
Partnership Resolution for Signers