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Checking Accounts

Checking

Compare and Find the Best Options for Your Lifestyle

We understand your checking needs are different from your neighbors’. From checking accounts with only the essential features to high interest earning accounts with extra benefits, we offer a variety of accounts with unique benefits and features.

Each checking account offers:

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

All rates are effective as of March 12, 2024.

Compare Checking Accounts
Product

Essential

Checking

Perks

Checking

First Rate Checking

with Perks

Good Timers
 

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Description

Checking account for people who want a low-cost checking account with standard benefits.

Checking account for people who want a low-cost checking account that offers advanced benefits with BaZing. Statements include check images.

Checking account for people who maintain an average daily balance of $2,500 and want to earn a higher interest rate if account requirements are met.² It also offers advanced benefits with BaZing. Statements include check images.

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. Statements include check images. Receive free money orders and a $5 discount on a small safe deposit box.
Minimum Balance

$100

N/A

$2,500

$500
Monthly Service Charge3

Maintain a $100 average daily balance to waive the $7 service charge per statement cycle. Waived for customers 22 and under. Additional $4 paper statement fee, eStatement no cost.

$7 service charge per statement cycle.

Maintain a $2,500 average daily balance to waive the $10 service charge per statement cycle.

Maintain a $500 average daily balance to waive the $10 service charge per statement cycle. 

Interest Bearing

No

No

Yes4

Yes4
Benefits
Optional Overdraft5

Yes

Yes

Yes

Yes
MoneyPass ATM Network

Yes

Yes

Yes

Yes
Bill Pay$3.95 per statement cycleFreeFreeFree
Money-Saving Benefits6NoYesYesNo

 

¹Online 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®.

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.

³$4.00 dormant account fee per month after 13 months of no activity.

⁴See current rate sheet for rates. Rates may change every Tuesday and interest is compounded monthly.

⁵There is a $35.00 fee for each debit or check paid. An overdraft fee applies to overdrafts created by check, in-person, withdrawal, ATM withdrawal, or other electronic means. For consumer accounts, we will not authorize and pay overdrafts or charge fees for overdrafts caused by ATM withdrawals or onetime debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. You will receive notification at 15 and 35 days if the overdraft hasn’t been repaid. If this still hasn’t been resolved at 60 days, your account will be closed.

6Discount program that includes discounts, money-saving benefits and protection plans. Benefits in the program are subject to change without notice. See separate reference guide for details and specifics on eligibility for each program benefit.
 

 

Checking Account Rates

First Rate Checking with Perks**

Minimum Available Balance RequirementInterest RateAPY*Minimum Deposit to Open Account
$0 to $24,999.993.69%***3.75%$100.00
$25,000 & over0.10%***0.10%$100.00
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***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 with Perks account per customer. Rate when requirements are not met is 0.0001% APY. ATM surcharges still apply.
 


Good Timers**

Minimum Available Balance RequirementInterest RateAPY*Minimum Deposit to Open Account
$0 to $49,999.990.05%0.05%$500.00
$50,000.00 to $99,999.990.10%0.10%$500.00
$100,000 to $249,999.990.75%0.75%$500.00
$250,000.00 & over0.75%0.75%$500.00
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*APY = Annual Percentage Yield

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