Check this out. Around here, we take your personal banking seriously. No matter where you are in life, First State Bank has a checking account tailored to your needs and your budget. Choose from any of the account options below.


Prefer an account that pays interest and provides the most services?  Then First State Bank's Preferred Interest Checking is for you. Our highest rate, interest-bearing checking account, with premier services for preferred customers. See below for all this account offers.


There's more than one way to be smart. SMART Choice® NOW Checking gives you an interest-bearing checking account, but that’s not all. You also get lots of other valuable benefits and services, including a free Debit/ATM card, free direct deposit and more. See the full list below.


Everything improves with age. That includes First State Bank’s SMART Senior® Checking account,  which offers many great services and benefits for customers over age 50. No minimum balance required! Free custom checks and cashier’s checks! And that’s just the beginning. Below are the unique features that come with SMART Senior®.

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Our EZ Checking makes banking simple. No minimum balance required. No charges per check. Plus, if you enroll in FREE E-Statements, there is no monthly maintenance fee!  EZ Checking also has lots of features and lots of flexibility.

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Youth does have its advantages, and First State Bank’s Student Checking account is one of them. Designed for high school and college students, it offers high tech conveniences with no balances or monthly fees.

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Account Benefits First State Bank
Student Checking
First State Bank
EZ Checking
First State Bank
SMART Choice Checking
First State Bank
SMART Senior Checking
First State Bank
Preferred Interest Checking
Interest Bearing Account      
Free Online Banking
Free Mobile Banking
Free Mobile Deposit
Free Text Banking
Free Unlimited
Online Bill Pay
Free Credit Card with no annual fee
Free 24-Hour TellerPhone
Free Direct Deposit
Free Debit Card
Enhanced Debit Mastercard

Enhanced Debit Mastercard

Enhanced Debit Mastercard

Enhanced Debit Mastercard
World Debit Mastercard
Free Monthly Check Images in Statements      
Free Unlimited
Phone Inquiries
Free Cashier's Checks       
Free SMART Custom Checks        
Increase on posted CD rates      
25% Discount on
Safe Deposit Box
Free Notary Service    
Free Non-First State Bank ATM transactions 
3 per statement cycle
3 per statement cycle
Free Overdraft Protection        
 3 Free OD transfers per cycle
$250 discount on Mortgage Closing Costs        
50% Discount on Stop Payment fees        
Free Incoming Wires        
Account Details          
Minimum Opening Deposit  $25 $25 $100 $25 $100
Minimum Balance to Avoid Monthly Maintenance Fee No minimum balance required No minimum balance required $1,500
average daily balance
No minimum balance required $25,000
Combined average daily balance
Monthly Maintenance Fee
(if balance is not maintained)
$0 $0
($5 fee if not enrolled in
($10 fee if balance is not maintained)
$0 $0
($20 fee if balance is not maintained)
Account Disclosures First State Bank
Student Checking
First State Bank
EZ Disclosure
First State Bank
SMART Choice
First State Bank
SMART Senior
First State Bank
Preferred Interest