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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

 


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