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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.

This account features a tiered interest structure; a higher balance is rewarded with a higher interest rate. 

For people age 50 and over, this account has special advantages. 

This account is a traditional checking account which includes paper statements.

This is our newest account.  It is specifically designed for those who are technology fanatics.


Description FIRST Class CroixClub 1914 eChecking
Minimum to Open $20.00 $20.00 $20.00 $20.00
Minimum Balance $1,000.00 None $100.00 None
Minimum to Obtain Annual Percentage Yield (APY) Tiered Rates
$0 - $9,999.99
$50,000.00 & over
$0.00 - -
Monthly Maintenance Charge $15 if balance falls below minimum1 None $3 if balance falls below minimum None
Monthly Activity Charge None None $.25 per debit item if balance falls below minimum2 None
Paper Statement Fee - - - $6.00
Interest Yes - tiered rates
$0.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - PLUS
Yes No No
Free eStatements Yes Yes Yes Yes
Free Debit Card Yes Yes Yes Yes
Free Internet Banking Yes Yes Yes Yes
Free Internet Bill Pay Yes Yes Yes Yes
Consumer Loan Discount3 Yes Yes Yes Yes
Overdraft Protection Line of Credit4 Yes Yes Yes Yes
No Fee VISA Rewards Credit Card4 Yes Yes Yes Yes
Free Standard Checks or 50% Off Any Check Order Yes Yes No No
Free Cashier’s Checks, Money Orders and Travelers Checks Yes Yes No No
Free Notary Service and Signature Guarantee Yes Yes Yes Yes
Free 3x5 Safe Deposit Box Yes No No No

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


Use 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.

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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