Business

 
 

Checking

Check this out. Around here, we take your personal banking seriously. No matter where you are in life, First State Bank has a checking account tailored to your needs and your budget. Choose from any of the account options below.

SMART PREFERRED SUPER NOW CHECKING

When you’re opening a checking account, you need to think smart.  That’s why First State Bank created SMART Preferred® Checking – our highest rate, interest-bearing checking account, with premier services for preferred customers. Ready to get smart? See below for what we offer.

SMART CHOICE NOW CHECKING

There's more than one way to be smart. SMART Choice® NOW Checking gives you an interest-bearing checking account, but that’s not all. You also get lots of other valuable benefits and services, including a free Debit/ATM card, free direct deposit and more. See the full list below.

SMART SENIOR CHECKING

Everything improves with age. That includes First State Bank’s SMART Senior® Checking account,  which offers many great services and benefits for customers over age 50. No minimum balance required! Free custom checks and cashier’s checks! And that’s just the beginning. Below are the unique features that come with SMART Senior®.

SMART FREEBEE CHECKING

Sometimes, the best things in life really are free. First State Bank’s SMART FreeBee® Checking account has lots of features and lots of flexibility – plus lots and lots of freebies, which is the whole point. No minimum balance required. No charges per check. It’s freedom taken to a whole new level. See below for the complete list of perks and benefits. 

STUDENT CHECKING

Youth does have its advantages, and First State Bank’s Student Checking account is one of them. Designed for high school and college students, it offers high tech conveniences with no balances or monthly fees.

 

Account Benefits First State Bank
Student Checking
First State Bank
SMART FreeBee
First State Bank
SMART Choice
First State Bank
SMART Senior
First State Bank
SMART Preferred
Interest Bearing Account      
Free Online Banking &
E-Statements
Free Mobile Banking
Free Text Banking
Free Unlimited
Online Bill Pay
Free Credit Card with no annual fee
Free 24-Hour TellerPhone
Free Direct Deposit
Free Debit Card
Gold Card with Higher Limit
Free Monthly Check Images     
Free Unlimited
Phone Inquiries
       
Free Cashier's Checks       
Free SMART Custom Checks      
Increase on posted CD rates      
25% Discount on
Safe Deposit Box
     
Free Notary Service    
Free Non-First State Bank ATM transactions 
3 per statement cycle
     
3 per statement cycle
Free Overdraft Protection        
 6 Free OD transfers per cycle
1/4% discount on consumer loans        
$250 discount on Mortgage Closing Costs        
50% Discount on Stop Payment fees        
Free Incoming Wires        
           
Account Details          
Minimum Opening Deposit  $25 $100 $100 $100 $100
Minimum Balance to Avoid Monthly Maintenance Fee No minimum balance required No minimum balance required $1,500
average daily balance
No minimum balance required $25,000
Combined average daily balance
Monthly Maintenance Fee
(if balance is not maintained)
$0 $0 $10 $0 $20
Account Disclosures First State Bank
Student Checking
Disclosure
First State Bank
SMART FreeBee
Disclosure
First State Bank
SMART Choice
Disclosure
First State Bank
SMART Senior
Disclosure 
First State Bank
SMART Preferred
Disclosure