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Checking

All First State Bank business checking accounts offer:

Free business debit card(s) for you and/or authorized employees.
Convenient access to your accounts anywhere, anytime using your Digital Banking services.
Free eStatements.
Treasury Management services including Payables Management, Receivables Management, and Deposit & Liquidity Services.*

Starting Monday, February 24, 2025, your account will be automatically transitioned to the new account, with no change to account number. There will be no fees associated with your new account until April, giving you plenty of time to explore and enjoy the updated features.

Current Product	Updated Product
Organization DDA	Non-Profit Banking
Fantastic Free Business Checking	Basic Business Banking
Small Business Checking	Business Essential Banking
Platinum Business DDA Platinum Business NOW Business Interest Checking Business on AAS Business NOW on AAS IOLTA	Business Relationship Banking
Business NOW	Municipal Banking
Municipal Super NOW	Municipal Performance Banking

Business Essential Banking

Perfect for sole proprietors and associations who maintain lower balances and have minimal transaction needs. Enjoy the simplicity and convenience tailored to your business.**

Business Relationship Banking

Tailored for mid-size businesses, this account offers the resources and support you need to thrive including the opportunity to earn interest plus other discounts with a qualifying deposit relationship.

Business Analyzed Banking

Designed for larger business clients with higher balances and transaction volumes.**

Municipal Banking

Available to municipal clients to manage public funds balances.

Non-Profit Banking

Available to non-profit organizations.

Agricultural Banking

Available to farmers and agricultural producers.

Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Minimum Opening Deposit is $100.

* Treasury Management services help manage cash, financial risk, and operations by providing a suite of services to enhance a business's efficiency. Costs vary based on services utilized. Contact your Business Banker for more information.

** Transaction items include all debits, credits, and items that process per statement.

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To avoid a $10 Maintenance Fee:
- Maintain $1,000 Average Monthly Balance.
100 transaction items included each statement cycle, then $0.10 per item.*
$10 per month for paper statements with check images.

Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Minimum Opening Deposit is $100.

* Transaction items include all debits, credits, and items that process per statement.

To avoid a $50 Maintenance Fee:
- Maintain $15,000 Average Monthly Balance in the checking; or
- Maintain an Average Monthly Deposit Balance in all deposit accounts of $150,000.
300 transaction items included each statement cycle, then $0.10 per item.*
Earn a competitive tiered interest rate.
Free eStatements.
$10 per month for paper statements with check images.
New accounts receive first order of 100 checks free.
Receive 15% discount on Treasury Management service fees and 0.25% discount on business loans when an Average Monthly Deposit Relationship (checking and savings) Balance of $150,000 is maintained.

Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Minimum Opening Deposit is $100.

* Transaction items include all debits, credits, and items that process per statement.

No balance requirement.
$20 Maintenance Fee per monthly statement cycle.
Fees are calculated based on the transaction volume and service usage with an earnings credit applied to offset fees which is calculated on the average monthly available balance.*
Free eStatements.
$10 per month for paper statements with check images.

To avoid a $10 Maintenance Fee:
- Maintain $100 Average Monthly Balance during the monthly statement cycle.
500 transaction items included each statement cycle, then $0.10 per item.*
Earn a competitive rate of interest.
Free eStatements.
$5 per month for paper statements with check images.

Agricultural Banking

No average monthly balance requirement or maintenance fee.
No item fees.
Free eStatements.
$5 per month for paper statements with check images.

Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Minimum Opening Deposit is $100.