Personal Checking


Psst want a FREE GIFT*? Read on!

First State Bank and Trust Company offers four personal checking accounts for our customers! Every new personal checking account includes:

  • FREE Visa® Debit Card
  • FREE Online Banking and Bill Pay
  • FREE eStatements
  • FREE Mobile Banking
  • FREE return of check images for easy record keeping
  • Minimum opening deposit is only $50
  • FREE Thank You Gift*

Answer a few questions below to determine the best account for you, then click HERE to complete a New Account Application to take to any of our five branches to open your new account:

To earn a higher rate of interest, will you always keep more than $1,500 in your account? If yes, then Platinum Checking is your best fit. If no, proceed to question #2.

Platinum Checking

An account for those interested in higher interest!:

  • FREE standard checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • No per check charge
  • Only $6 monthly charge if minimum balance falls below $1,500

Will there be anyone 50 years or better signing on this account? If yes, then Legacy Checking is your best fit. If no, proceed to question #3.

Legacy Checking

For customers 50 and better!:

  • FREE standard checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

3. Does anyone plan to have direct deposit or an automatic payment with this account? If yes, then Advantage Checking is your best fit. If no, choose Eco Checking.

Advantage Checking

Checking with the convenience of direct deposit or any automatic payment!:

  • FREE first box of checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge
Eco Checking

A FREE account for everyone!:

  • FREE first box of checks
  • No minimum balance
  • No monthly service charge

Save time and money with these great products and services:

  • FREE Visa® Debit Card
    Enjoy everyday access to your funds at any ATM and enjoy the convenience of making purchases without writing checks
  • Direct Deposit & Automatic Payments
    Save yourself time with a convenient direct deposit or automatic payment. They take the hassle out of depositing paychecks or paying recurring bills.
  • FREE Online Banking & Bill Pay
    Get online anytime to check balances, transfer funds, or view all of your bank statements.
  • FREE Mobile Banking
    Bank anytime, anywhere from your mobile phone!
  • FREE eStatements
    Eliminate paper waste and enjoy secure online access to current and past statements by opting for electronic delivery.
  • Savings Plans
    Manage your money and enhance your earning power with one of our CDs, savings, or money market accounts.
  • Club Rewards
    In addition to free personalized Club Checks, you get:
    • FREE Standard Checks

    • 25% discount on Safe Deposit Boxes

    • FREE Money Orders and Cashier's Checks

    • FREE Notary Service

    • $20,000 AD&D Insurance Coverage (not FDIC insured, may lose value)

    • $5,000 Identity Fraud Expense Reimbursement Coverage

    • Return Key Tag

    • Up to $40 Cash Back Member Rewards

    All for only $8.75 more a month!

  • FREE Business Checking
    Need a better account for your business or organization? Our Absolutely Free Business Checking is the perfect account for most businesses. To open a Business account, please visit one of our branches.


Offer good on personal accounts only; business accounts do not qualify for these plans.
*Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at account opening.
Contact a First State Bank and Trust Customer Service Representative for current annual percentage yield.