At First State Bank and Trust, we see a checking account as more than a way to pay bills. A checking account ties your financial life together on your journey to achieve your goals. Knowing where you are on your journey will help us pick the right account for you.


So why choose First State Bank and Trust for your checking account? Simply put, we do more here. We offer a wide array of financial services you won’t find in most banks―from insurance to investments to mortgages to business loans to trusts. As you add services, having them all under one roof will make life simpler, financial planning easier, and goals more achievable.

Set high standards for convenience and value with our checking accounts. Choose the account with features that will enhance your personal approach to money management.


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All First State Bank and Trust checking accounts include:

Accounts at a glance:

  • eCHECKING: this is our most popular account and perfect for technology focused customers.
  • FIRST CLASS: this account features a tiered interest structure; a higher balance is rewarded with a higher interest rate. 
  • CROIX CLUB: for people age 50 and over, this account has special advantages. 
  • 1914: this account is a traditional checking account which includes paper statements. 
Swipe right to view the rest of the table.
Description FIRST CLASS CROIX CLUB 1914 eCHECKING
Minimum to Open $20.00 $20.00 $20.00 $20.00
Minimum Balance $1,000.001 None $100.00 None
Minimum to Obtain Annual Percentage Yield (APY) Tiered Rates
$0 - $9,999.99
$10,000.00 - $49,999.99
$50,0000 & Over		 $0.00 - -
Monthly Maintenance Charge $15.00 if balance falls below Minimum1 None $3.00 if balance falls below minimum None
Monthly Activity Charge None None $0.25 per debit item if balance falls below minimum2 None
Paper Statement Fee - - - $6.00
Interest Yes - tiered rates
$0 - $9,999.99
$10,000.00 - $49,999.99
$50,000 & Over		 Yes - -
Free Standard Checks or 50% Off Any Check Order Yes Yes - -
Free Cashier's Checks, Money Orders Yes Yes - -
Free 3x5 Safe Deposit Box Yes5 - - -

1 Waived if Trust Relationship is maintained
2 Debit items include withdrawals created by checks, in-person withdrawal, ATM withdrawal, debit card withdrawal, ACH and Internet
3 With automatic payment from First State Bank and Trust checking account
4 Upon credit approval
5 Or equivalent credit for a larger size box

Overdraft Protection Line of Credit:

Use our Overdraft Protection Line of Credit to protect yourself from accidental overdrafts. This line of credit is attached to your checking account and money is transferred automatically in the event of an overdraft.Transfers are made in increments of $100.

Account Protection Transfer:

This product allows you to link a savings, money market, or another checking account to your primary checking to protect your account from being overdrawn. Transfers are made in increments of $100. Refer to fee schedule for applicable fees.


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