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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.

All First State Bank and Trust checking accounts include:

  • Debit MasterCard® or ATM card
  • Internet banking and online BillPay
  • eStatements
  • Mobile banking
  • iTalk (24-hour telephone banking)
  • Consumer loan discount3
  • Overdraft Protection Line of Credit4 and/or Account Protection Transfer
  • Visa or American Express credit card options4
  • Free notary service and signature guarantee


Accounts at a glance:

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.

eCHECKING: this is our most popular account. It is specifically designed for those who are technology fanatics.


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 None None
Free Standard Checks or 50% Off Any Check Order Yes Yes - -
Free Cashier’s Checks & Money Orders Yes Yes - -
Free 3x5 Safe Deposit Box5 Yes - - -

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
5 Or equivalent credit for a larger size box


Overdraft protection line of credit - 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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