Checking

All personal checking accounts offer:

Free debit card.
Convenient access to your accounts anywhere, anytime using our Digital Banking services including Mobile Deposit.
Free credit score and financial management tools.

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
Fantastic Free Checking	First Essential Banking
Interest Checking 50+ Interest Checking	First Rewards Banking
Top Tier Checking	First Performance Banking

First Essential Banking

An account that offers convenient access to your funds with no minimum balance requirements and all the tools you need to make managing your finances easy!

First Rewards Banking

Enjoy the opportunity to earn rewards for the ways you use your account each month!

First Performance Banking

Earn premium interest and other benefits for the relationship you have with First State Bank.

Limit one First Rewards or First Performance Banking Account per social security number. Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Minimum Opening Deposit is $100.

* Stated APY (Annual Percentage Yield) is variable and may change at any time at the discretion of First State Bank. Interest is compounded and credited to your account monthly. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.

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Achieve your business goals with our supportive small business loan solutions.

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First Essential Banking

No minimum balance.
No monthly maintenance fee.

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

First Rewards Banking

No minimum balance.
To avoid $10 Monthly Maintenance Fee:
- Enroll in eStatements.
Earn up to $10 each statement cycle when you keep a $500 Average Daily Balance in your account and perform any of the following activities:
- Earn $2 each for direct deposits and mobile deposits, up to $4/month; or
- Earn $0.25 for every debit card purchase of $10 or more, up to $6/month.

First Performance Banking

No minimum balance or monthly maintenance fee.
Free order of 100 wallet style checks per year.
Free Cashier Checks & Money Orders.
Earn a premium 2.00% APY on daily balances up to $15,000* when the following qualifications are met each monthly statement cycle:

Qualifications

One recurring direct deposit to the account per month.
Enrolled in eStatements within thirty (30) calendar days of account opening.
Plus, one of the following: Maintain Minimum Daily Balance of $5,000 total in owned personal deposit accounts; or make 15 debit card purchases of $10 or more.

Interest Earned**

A preferred interest rate of 2.00% (APY 2.00%) will be paid on daily balances of $0.01 up to $15,000.00 if all requirements are met.
For balances greater than $15,000.00, an interest rate of 0.01% (APY 0.01%) will be paid on the remaining daily balance. The APY will range from 0.01% to 2.00%, depending on the balance in the account.
When qualifications are not met during statement cycle, the account will earn an interest rate of 0.01% (APY 0.01%) on the total daily balance.

Minimum Opening Deposit is $100.
* Stated APY (Annual Percentage Yield) is variable and may change at any time at the discretion of First State Bank. Interest is compounded and credited to your account monthly. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.

** Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.