Personal Checking | First State Bank & Trust Company

Monthly
Fee

Earns
Interest

Why Choose
This Account?

Basic Checking Learn more	$5 No charge if balance of $500 is maintained	No	No charge if minimum balance of $500 is maintained. Statement includes check images
SmartChoice Checking Learn more	$6	Yes	Identity Theft Insurance, Credit Report Monitoring, Free Wallet Checks, Everyday Rebates Rewards
NOW Account Learn more	$6 No charge if balance of $1000 is maintained	Yes When daily balance of $1000 is maintained	Unlimited check writing, Free online bill pay, access to survcharge free ATMs, plus more.
Kansas Gold Checking Learn more	$6 No charge if balance of $100 is maintained	Yes When minimum balance of $1000 is maintained	For customers age 50 and over. Identity Theft Protection, Credit Monitoring, First order of checks free, free notary services and more.
Kansas Gold Plus Learn more	$5	Yes	All the advantages of Kansas Gold with additional benefits including Everyday Rebates Rewards.
Student Checking Learn more	$2 No charge if balance of $100 is maintained	No	An account designed for High School and Full Time College students

Basic Checking

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

The First State 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
Free Internet Banking
Free On-line Bill Payment
Free First State Visa Check Card
Express Phone Banking
Free UltraSF ATM transactions
Monthly detailed statement with check images
Direct deposit available

SmartChoice Checking

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

The SmartChoice Checking Package

Unlimited check writing
No minimum balance requirements
Earns interest with no minimum balance required
Identity Theft Insurance and Fraud Resolution Service¹
Credit Alert²
Payment Card Protection³
Everyday Rebate Rewards⁴
Free Internet Banking
Free On-line Bill Payment
Express Phone Banking
Free First State Visa Check Card
Unlimited free UltraSF ATM transactions
Free special wallet style checks, or 40% off other check styles
Monthly detailed statement with check images
Monthly service fee- $6.00

1 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.

2 Credit Alert
With 24-hour, daily credit monitoring, you are alerted automatically of certain changes to your credit. While it can’t prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage. In the unfortunate event you receive notification of a negative change, you are provided with access to the Credit Information Hotline. The hotline is staffed with trained individuals ready to provide answers to commonly asked questions. If there are no changes to your credit, you even receive a quarterly notification letting you know that nothing has changed. Your initial enrollment in Credit Alert will be valid for one year with an option to re-enroll at no additional cost.

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:

The NOW Account

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

The First State NOW Account Package

Interest paid when $1,000 minimum daily balance is maintained.
No monthly service fee if daily collected balance of $1000 is maintained. If the daily balance falls below, $6 monthly fee plus .30 per check or debit item after 30 items per statement cycle
Unlimited check writing
No monthly service fee if daily collected balance of $1000 is maintained
Free Internet Banking
Free On-line Bill Payment
Express Phone Banking
Free First State Visa Check Card or ATM card
Free UltraSF ATM transactions
Monthly detailed statement with check images
Direct deposit available

Kansas Gold and Kansas Gold Plus Checking

Two personalized packages for our valued Customers age 50 and over.

The Kansas Gold Checking Package

Unlimited check writing
No minimum monthly fee if a minimum daily balance of $100 is maintained. $6 monthly fee if balance falls below $100
Interest earned when minimum $1000 balance maintained
First order of personalized checks at no additional cost to you.
Payment Card Protection when you register your cards¹
Identity Theft Insurance with Fraud Assistance²
Express Phone Banking
24-hour ATM Convenience
Free Online Bankingng
Free Online Bill Payment
Free First State Visa Check Card
Free UltraSF ATM transactions
Monthly detailed statement with check images
Direct deposit available
Trust Services³
Key Ring Protection⁴
Free Notary Service
Free photocopies-limit 5 per visit

The Kansas Gold Plus Checking Package

All the benefits of Kansas Gold Checking

PLUS:

Earn interest on checking with no minimum balance required
Free Personalized Checks
Use of Personal-Size Safe Deposit Box, free for one year (not available in OP)
Everyday Rebate Rewards⁵
All for Only a $5 Monthly Membership Fee

1. 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:

First State Student Checking

First State Student Checking is specifically designed with the high school and full time college student in mind.

The First State Student Checking Package

Unlimited check writing if minimum balance of $100 is maintained in checking or $200 in a savings account tied to your Student 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.
Free Internet Banking
Free On-line Bill Payment
Free First State Visa Check Card (age 18 and over)
Unlimited free UltraSF ATM transactions
Monthly detailed statement with check images
Direct deposit available