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Compare Checking Accounts

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Not every personal checking need is the same. We make it simple and quick for you to compare and choose which checking account works best for you.

  Everyday Checking


Open Now
Classic Checking


Open Now 
Premium Account


Open Now 
43,000 Fee-Free¹ ATMs Nationwide FREE FREE FREE
24/7 Telephone, Mobile and Online Banking FREE FREE FREE
Earns Interest NO YES on higher balances


Tiered Interest

Minimum Balance to Open $100 $100 $100
Minimum Average Monthly Balance to Avoid Monthly Service Charge
NONE NONE $1,000
Monthly Service Charge
Requirements eStatements to avoid $3 monthly service charge for paper statements eStatements to avoid $3 monthly service charge for paper statements Higher balance to avoid monthly fees
Overdraft Privilege² YES YES YES
Account Alerts YES YES YES
Free download of information into financial management software YES YES YES
Cash buy back for checks³ YES YES YES
eStatements YES to avoid $3 monthly service charge for paper statements YES to avoid $3 monthly service charge for paper statements YES
Open Online Open Now Open Now Open Now
Applications processed through Early Warning YES YES YES

View our Rates

¹ Use of non-First State Bank ATMs not included in the Allpoint Surcharge-Free Network may result in ATM fees charged by First State Bank and the ATM owner. Fees may be charged for overdrafts and other services.
² The overdraft privilege is not a contract or obligation of the bank to pay overdrafts created by withdrawals made by check, in-person, ATM, or other electronic means when insufficient funds exist in an account, but rather a customer service which allows customers to overdraw an account. The overdraft fee is up to $34 per item paid and repayment is expected immediately. The cost will be based upon the dollar amount of the item that will cause the account to be overdrawn.  If an account is overdrawn 5 days, after the fifth day and thereafter a $7 continuous overdraft fee will be charged for every business day the account is overdrawn. This service is discretionary and may be withdrawn at any time.
³ A credit of $2 per check pad for your unused checks and $2 for your old ATM or debit card from another financial institution will be issued within two business days of receiving them

Equal Housing LenderMember FDIC