Checking

Check this out.  Around here, we understand that personal banking is just that - personal. That's why we've designed our checking accounts so that no matter where you are in life, First State Bank has the account tailored to your needs and your budget.

Every personal checking account includes:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking with Mobile Deposit
  • FREE E-Statements with online check images
  • FREE Thank You Gift
  • Buy back of your unused checks and debit cards from another financial institution for up to $10
  • Free use of over 1,180 First State Bank and Publix Presto! ATMs - plus no FSB fee at non-FSB ATMs*

To find the perfect account for you, simply answer the following three questions:

1. To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?  If yes, then High Interest Checking is the account for you!

2. Will there be anyone 50 years or better signing on the account? If yes, then check out our 50 Plus Interest Checking!

3. Does anyone plan to have direct deposit or an automatic payment with this account?  If yes, then Direct Interest Checking is right for you. If no, then our Simply Free Checking is perfect for you!  

HIGH INTEREST CHECKING

Looking for the account that pays the most interest and provides the most services?  Then First State Bank's High Interest Checking is for you. Our highest rate, interest-bearing checking account, with many premier services. 

  • Free Checks
  • Higher interest rate with a daily balance of $1,500 or more
  • Competitive interest if daily balance falls below $1,500
  • Only $6 monthly charge if minimum daily balance falls below $1,500
  • 25% Discount on Safe Deposit Box
  • Free Cashier's Checks
  • Free Combined Statements
  • Free Direct Deposit
  • Free Notary
  • Free Incoming Wires
  • Free World Debit Card with a higher limit
  • 3 Free Overdraft Transfers per Statement Cycle
  • No Annual Fee Credit Card Available

Open An Account

High Interest Checking Disclosure

50 PLUS INTEREST CHECKING

Everything improves with age. That includes First State Bank’s 50 Plus Interest Checking account,  which offers many great services and benefits for customers 50 and better! 

  • Free Checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • 25% Discount on Safe Deposit Box
  • Free Cashier's Checks
  • Free Combined Statements
  • Free Direct Deposit
  • Free Notary
  • No Annual Fee Credit Card Available

Open An Account

50 Plus Interest Checking Disclosure

DIRECT INTEREST CHECKING

It pays to be direct. Direct Interest Checking pays interest just for having a direct deposit or any automatic payment on your account! 

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Free Direct Deposit
  • Free Combined Statements
  • No Annual Fee Credit Card Available

Open An Account

Direct Interest Checking Disclosure

SIMPLY FREE CHECKING

Our Simply Free Checking makes banking simple. No minimum balance required. No charges per check. Simply Free Checking also has lots of features and lots of flexibility.

  • No minimum balance
  • No monthly service charge
  • Free Combined Statements
  • No Annual Fee Credit Card Available

Other fees such as non-sufficient funds, returned items, overdraft, etc. may apply. Ask us for details. 

Open An Account

Simply Free Checking Disclosure

*Other banks' fees may apply. 

Minimum opening deposit is only $50. After opening your checking account, you will receive your free gift. Free gift may be reported on a 1099-INT or 1099-MISC. Up to $10 for checks and debit cards from another financial institution given at the time presented. To receive your free gift, and have us buy-back your checks and debit card, please visit one of our 11 convenient locations.