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Checking Accounts

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Checking

Compare and Find the Best Options for Your Lifestyle

We understand your checking needs are different from your neighbors’. From checking accounts with no monthly fees to high interest earning accounts, we offer a variety of accounts with unique benefits and features.

Each checking account offers:

  • Unlimited check writing
  • Online Banking and Bill Pay access
  • Free debit card
If you'd like to open a personal checking account at First State, stop by a location to speak with a team member or open an account online. 

 

Compare Checking Accounts

Compare Checking Accounts
ProductSimple CheckingSterling CheckingNOW CheckingFirst Rate CheckingGood Timers
 

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Description

Checking account for people who want a low cost checking account that doesn't require a minimum balance with simple statements.

Checking account for people who want a low cost account that requires a low minimum balance and images with their statement.

Checking account for customers looking to earn interest on their account.

FREE checking account that offers a higher interest rate and  free nationwide ATMs, if account requirements are met.2

Checking account that has many additional features. A great option to earn interest on a checking account and a waived fee for customers with investment dollars.

Minimum Opening Deposit

$100.00

$300.00

$1,000.00

$100.00

$500.00

Monthly Service Charge6

No service charge when receiving eStatements. $4.00 charge per paper statement.

A fee of $8.00 will be charged if your average daily balance falls below $300.00 per statement cycle.

A fee of $8.00 will be charged if your average daily balance falls below $1000.00 per statement cycle.

No service charges apply to this checking account.

A fee of $10.00 will be charged if your average daily balance falls below $500.00 per statement cycle. Free Money Orders.

Interest Bearing

No

No

Yes1

Yes1

Yes1

Checking Writing

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Benefits
Optional Overdraft

Yes

Yes

Yes

Yes

Yes

CyberScout3

Yes

Yes

Yes

Yes

Yes

Online Banking4

Free Online Banking

Free Online Banking

Free Online Banking

Free Online Banking

Free Online Banking

Bill Pay

$3.95 per statement cycle

Free online bill pay

Free online bill pay

Free online bill pay

Free online bill pay

Mobile Banking

Yes

Yes

Yes

Yes

Yes

Text/E-Mail Alerts

Yes

Yes

Yes

Yes

Yes

Visa® Debit Card

Free card with account

Free card with account

Free card with account

Free card with account

Free card with account

1See current rate sheet for rates. Rates may change every Tuesday and interest is compounded monthly.

2Must meet all 5 requirements to receive full interest: Access internet banking, receive electronic statements, minimum of one on-line bill payment accessed through our internet banking, minimum of 1 automatic debit or direct deposit, & minimum of 12 posted Visa Debit Card POS (Point of Sale) transactions per statement cycle of $5 or more .  Limit of one First Rate Checking account per customer.

3Provide identity theft solutions for each customer.

4Online Banking is required to receive your monthly checking account statement electronically. To receive electronic delivery service you must have a working connection to the Internet with e-mail capability and Adobe Reader®.

5$4.00 dormant account fee per month after 13 months of no activity.

Checking Account Rates

First Rate Checking Account**

Minimum Available Balance RequirementInterest RateAPY*Minimum Deposit to Open Account
$0 to $24,999.992.72%***2.75%$100.00
$25,000 & over0.35%***0.35%$100.00
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NOW Account**

Minimum Available Balance RequirementInterest RateAPY*Minimum Deposit to Open Account
$0 to $999.990.05%0.05%$1,000.00
$1,000 to $1,999.990.10%0.10%$1,000.00
$2,000 & over0.15%0.15%$1,000.00
Apply Now

Good Timers**

Minimum Available Balance RequirementInterest RateAPY*Minimum Deposit to Open Account
$0 to $4,999.990.05%0.05%$500.00
$5,000.00 to $9,999.990.05%0.05%$500.00
$10,000 to $29,999.990.10%0.10%$500.00
$30,000.00 to $49,999.990.15%0.15%$500.00
$50,000.00 to $99,999.990.15%0.15%$500.00
$100,000.00 & over0.25%0.25%$500.00

*APY = Annual Percentage Yield

**Rates may change after the account is opened. Fees may reduce earnings.

***Must meet all 5 requirements per statement cycle to receive full interest: Access internet banking, receive electronic statements, minimum of one on-line bill payment accessed through our internet banking, minimum of 1 automatic debit or direct deposit, & minimum of 12 posted Visa Debit Card POS (Point of Sale) transactions of $5 or more.  Limit of one First Rate Checking account per customer. Rate when requirements are not met is .05%. ATM surcharges still apply.