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Checking Accounts

What type of personal account are you looking for today?


What is the most important feature for you when determining a checking account?

FeesMinimum Balance to OpenInterest

What is your minimum balance to open?


Are you a student age 24 or younger or a senior age 55 or better?



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We Make It Easy to Start and Stay with Us!

Simply Better Banking starts with simply better checking options! At First State Bank and Trust, we offer four checking options designed to fit anyone’s budget, lifestyle, and digital banking preferences. From the economical to the more complex, we make it easy to choose the account that fits YOU best!

We've got the Product for you!

First Premier Checking

First Premier Checking is our high balance interest earning account. There are no service fees for daily balances of $25,000 or more or combined deposits of $150,000.

First Connection Checking

First Connection Checking is our popular relationship-based option. For customers who enjoy direct deposit or keep higher combined balances in deposits or loans this account has no monthly service fees when at least one of the following conditions is met:

  • Customers (Age 55 and better) with Direct Deposit
  • Students (Age 24 and younger)
  • Monthly Direct Deposit of $1,000
  • Daily Balance of $1,500 or more
  • Loan Balance(s) of $50,000 or more
  • Combined Deposit Balances of $5,000

First Basic Checking

First Basic Checking is perfect for customers with simple banking needs. It’s an economical option too, with limited transaction and low balance advantages. It has a very low opening balance and no monthly service fees. Debit card and digital statements are included while mobile banking and bill pay are available for a small monthly charge.

Student Connection Checking

Student Connection Checking keeps students connected. It is the best checking option for students (24 years or younger). With top-notch digital banking services, no monthly balance requirement and up to four FREE foreign ATM transactions each month, our student customers can stay connected to First State Bank and Trust throughout their entire student career…even if college is out of our network area!


Checking-Savings Combo joins your checking, savings and convenience services into the ultimate checking-savings combination. By enrolling in Swipe Savings at account opening, we will waive the minimum opening deposits on the checking and savings accounts. Now, you can start a sustainable savings program easily and watch your change grow automatically!

Debit Cards are available at no cost on all of our checking options for safe point-of-sale transactions and 24-hour access to your funds through any ATM network.

Go Green and Get Some Green with Paperless Statements!  We encourage our customers to enroll in Paperless Statements (Digital Banking or Email Statements). They are more secure than paper statements and are easier to organize and store. And, for every Paperless Statement enrollment, we will pay you $5.00*. A win for you, the environment, and information security. The incentive will be deposited into the customer account(s) within 60 days after enrollment.

Safe Deposit Boxes are available at all locations for convenient safe keeping of your valuables and important documents. Each office offers a variety of sizes.