Regular Checking

Just a $100 Minimum Opening Balance

If your balance is less than $300 on any day in the statement cycle, $6 minimum balance fee will be applied to your account. If you balance is $400 there there will be a $5 balance fee. If your balance is $500, then there will be a $4 balance fee. If your balance is $700, there will be a $3 balance fee.

Internet Banking

NetTeller, our internet banking product, is included with Regular Checking at no charge. Access your account online to:

View all of your account balances and transactions.
Transfer money between your accounts.
Make loan payments.
View and print monthly statements.
Enter stop payment request.
Request a formal statement.
Reorder checks.
Download account information to your personal computer for use in software programs (e.g. Quicken).

Online Bill Payment

Online Bill Payment is only $4.95 per month with your Regular Checking account. Pay bills or make payments, 24 hours a day, 7 days a week. Loan payments, insurance premiums, utilities, credit cards and many other bills can be easily paid using bill pay. Paying bills electronically can reduce your monthly cost associated with purchasing checks and postage. Payments can be scheduled as a one time payment or recurring based on your needs. Recurring payments can be for a fixed or variable amount. With Bill Pay, you can create your own list of payees, view a list of bills scheduled to be paid, view a history of payments, and much more.

Monthly Bank Statements with an Image of Canceled Checks

A formal bank statement reflecting your account activity will be mailed to you each month. An image of your canceled checks will be included. You can also request to have your statement sent electronically.

ATMs Available 24 Hours

We have 7 convenient locations to serve you 24 hours a day, 7 days a week. There are no transaction fees when you use our convenient ATMs.

Free Automatic Funds

We can transfer funds from your account to make monthly loan payments or just transfer funds to another account of your choice. Transfers can be daily, weekly or monthly. No initial set up charge or transaction fees.

Free Notary Service

Use our notary service at no charge. We'll be happy to notarize your official documents.

Drive-in/Night Deposit Service

We have five convenient night depository locations for your after hours deposits or loan payments. All First State Bank & Trust Company, Inc. locations have a night depository located in the first drive-in lane. Security lights and surveillance cameras are installed for your protection.

Visa® Debit Card

The Visa® Debit Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write a check. You can purchase groceries, gas, anything else where Visa® is accepted. Plus, the Visa® Debit Card performs all the functions of an ATM card. Visa® Debit Cards are subject to credit approval.

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PLEASE CONTACT ONE OF OUR CUSTOMER SERVICE REPRESENTATIVES FOR MORE INFORMATION ON OUR REGULAR CHECKING ACCOUNT.

In Caruthersville Contact:

Amy Chalk
Customer Service Officer
(573) 575-4546
achalk@fsbtrust.com

Customer Service Representatives
Sonja Hopkins
(573) 575-4525
shopkins@fsbtrust.com
Derenda Young
(573) 575-4527
dyoung@fsbtrust.com

In Dexter Contact:

Customer Service Representatives
Brenda Garner
(573) 891-7931
bgarner@fsbtrust.com
Dorothy Hooten
(573) 891-7930
dhooten@fsbtrust.com

In Hayti Contact:

Customer Service Representatives
Carlotta Camp
(573) 479-7932
ccamp@fsbtrust.com
Connie Mulliniks
(573) 479-7934
cmulliniks@fsbtrust.com

In Portageville Contact:

Deborah Jackson
Customer Service Representative (573) 391-7921
djackson@fsbtrust.com

In Sikeston Contact:

Linda Scott
Customer Service Officer
(573) 621-7919
lscott@fsbtrust.com

Customer Service Representative
Katy Hart
(573) 621-7916
khart@fsbtrust.com