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 $5.00 monthly service fee plus .20 per check or debit to your account after 20 items if the balance falls below $500.00
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Students (22 & under)
Unlimited check writing if minimum balance of $100 is maintained in checking.
No monthly service fee if above minimum balance is maintained.
If minimum balance is not maintained, $2 monthly service fee plus .20 per check or debit to your account after 20 items.
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The First State SmartChoice account is an interest bearing account that protects your identity and offers many additional benefits.
The SmartChoice Checking Package
No minimum balance requirements
Earns interest with no minimum balance required
Everyday Rebate Rewards1
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 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 daily collected balance of $5000 is maintained. If the daily balance falls below, $6 monthly fee plus .30 per check or debit item after 30 items per statement cycle