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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 monthly service fee if a minimum daily balance of $500 is maintained
  • A $5.50 monthly service fee if the balance falls below $500
  • Debit Card Purchase Credit of $0.20 each earned against the monthly service fee up to $5.50
  • Free eStatements with images

Students (22 & under)

  • No monthly service fee if a minimum daily balance of $200 is maintained
  • A $2.50 monthly service fee if the balance falls below $200
  • Debit Card Purchase Credit of $0.20 each earned against the monthly service fee up to $2.50
  • 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

 

1 Everyday Rebate Rewards
Get rewarded –simply by purchasing items you use every day.  Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies.  At the end of every quarter, send the receipts (up to $200) with your Everyday Rebate Rewards request form, and receive 10% back.

2 Identity Theft Insurance with Fraud Assistance
Being a victim of Identity Theft can be time-consuming and costly.  You have up to $2,500 in financial compensation for qualified expenses incurred in the recovery of your stolen identity.  Included in this benefit is Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name.  You receive expert help to assist you in organizing paperwork, advising you about notifying creditors and more.

3 Payment Card Protection
Register all your credit, debit, ATM and check cards at one time and in one place.  As a member, you feel more secure knowing that you are protected.  If your cards are lost or stolen, simply call one convenient toll-free number 24 hours a day to cancel cards, stop unauthorized purchases and request new cards.  You also have the security of knowing that if you are more than 50 miles from home and have reported the cards lost or stolen you have access to:

-Emergency Cash
-Emergency Airline Tickets
(Some restrictions may apply)


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 above minimum balance of $5000 is maintained
  • A $7.50 monthly service fee if the balance falls below $5000