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.
|Minimum to Open||$20.00||$20.00||$20.00||$20.00|
|Minimum to Obtain Annual Percentage Yield (APY)||Tiered Rates
$0 - $9,999.99
$50,000.00 & over
|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
|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.