Embrace simplified checking
Our checking account options are simplified to fit your needs-free, easy, and full of rewards. If you would like to open a new account or have questions about your current account, please contact your First State Bank branch for more information.
FREE Checking
Open your account today and enjoy the benefits of truly free checking! With no monthly maintenance fees, no minimum balance requirements, and easy online and mobile banking, managing your money has never been more convenient.
- $100 minimum to open
- No minimum balance
- No monthly service charge
- Unlimited check writing
First Rate Checking
Our First Rate checking account lets you enjoy all the convenience of everyday banking while earning 4.00%* APY interest up to $25,000. With no hidden fees and easy access to your funds, it's the smarter way to bank-and get rewarded for it.
- $100 minimum to open
- No minimum balance
- No monthly service charge
- Unlimited check writing
Eligibility Requirements:
- Receive eStatements
- 12 Debit card transactions per month
- One (1) ACH transaction per month
FREE and easy services with any checking account.
- FREE Debit Card
- FREE School Mascot Debit Card
- FREE eStatements
- FREE Online Banking
- FREE Bill Pay
- FREE Mobile Banking
*APY is Annual Percentage Yield. Account has a minimum opening balance of $100. Annual Percentage Yield (APY) is accurate as of 8/25/2025. Rates are variable and subject to change at any time. To qualify for interest, each monthly statement cycle you must: Conduct at least twelve (12) settled and posted debit card transactions; excluding ATM transactions; AND have at least one (1) settled and posted Automated Clearing House (ACH) credit or debit; AND receive an Electronic Statement (eStatement). Online Banking with eStatement enrollment is required. Fees could reduce the earning on the account.
