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Personal Checking*

Monthly
Fee

Earns
Interest

Why Choose
This Account?
Basic Checking
Learn more

$5.50
No charge if balance of $500 is maintained

$2.50
Student Rates

No No charge if minimum balance of $500 is maintained ($200 for students).
SmartChoice Checking
Learn more

$6.50
No

Valuable Benefits are included: Rebate Rewards, Identity Theft Protection, Payment Card Protection, Free Checks.
Preferred Checking
Learn more
$7.50
No charge
if balance of $5000 is maintained
Yes
When minimum balance of $5000 is maintained
You intend to carry balances above $5000 and want to earn interest.


*all accounts require $100.00 minimum to open

  All Checking Accounts Include:

 

Basic Checking


The Basic Checking Account provides all the basic checking services with no monthly fee if the minimum balance is maintained.

The Basic Checking Package

  • No minimum monthly fee and unlimited check writing if a minimum daily balance of $500 is maintained.
  • A $5.50 monthly service fee plus .20 per check or debit to your account after 20 items if the balance falls below $500.00
  • Free eStatements with images
  • Credit is earned on Check Card purchases, $0.20 each up to $5.50.

Students (22 & under)

  • Unlimited check writing if minimum balance of $200 is maintained in checking.
  • No monthly service fee if above minimum balance is maintained.
  • If minimum balance is not maintained, $2.50 monthly service fee plus .20 per check or debit to your account after 20 items.
  • Free eStatements with images

 

 

 

SmartChoice Checking


The First State SmartChoice account is a non-interest bearing account that protects your identity and offers many additional benefits.

The SmartChoice Checking Package

  • No minimum balance requirements
  • Everyday Rebate Rewards1 Click Here for More Information
  • Identity Theft Insurance and Fraud Resolution Service 2
  • Payment Card Protection3
  • Free specialty checks, or 40% off other check styles
  • Monthly detailed statement with check images

 


The Preferred Checking Account is an interest-bearing account which carries no monthly service fee when the minimum balance is maintained.

The Preferred Checking Package

  • Interest paid when $5,000 minimum daily balance is maintained.
  • No monthly service fee if daily collected balance of $5,000 is maintained. If the daily balance falls below, $7.50 monthly fee plus .30 per check or debit item after 30 items per statement cycle