Checking Accounts

With options that put your needs first.

Apply at a Branch

Find a checking account that fits your needs.

Free Checking

Apply at a Branch

A personal checking account with no monthly service charge or minimum balance.

$0 Minimum to open account
Free debit card
Free standard First State Bank checks
No monthly maintenance fee
24/7 online and mobile account access with free BillPay

Contact a Branch

Interest Checking

Apply at a Branch

If you have higher account balances, earn interest on your money and get more from your checking account.

$0 Minimum to open account
Pays interest
Free debit card
Free standard First State Bank checks
24/7 online and mobile account access with free BillPay
$10 maintenance fee if balance falls below $1,000

Contact a Branch

Checking Account Benefits

Mobile Banking

Pay almost anywhere you can swipe or tap.

Online Banking

Manage and organize your finances 24/7.

Digital Payments

Apple Pay^TM – Visa SRC – Samsung Pay; whatever your preference, pay with convenience.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

Make purchases easily with a Visa^® Debit Card:

Just present your card at the merchant and sign your receipt or use your PIN to complete your transaction
Purchase amount is automatically deducted from your checking account
Make up to $2,500 in purchases per day (provided adequate funds are available)
Make up to $500 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)**
No transaction fees on Visa point-of-sale transactions.

* Available on a First State Bank checking or savings account. Subject to qualifications.
** A surcharge may be assessed by the financial institution that owns the ATM.