Personal Checking Accounts


At First State Bank, we have a checking account to fit your needs. Whether you'd like a simple account or one that provides you with lots of useful features; compare our checking accounts and find the one that's just right for you!

Main Street Reward Checking


It's now possible for you to earn high interest rates, transaction rebates and ATM fee refunds when meeting our easy qualifications. Main Street Checking is a tiered account which means the more you use it, the more possibilities for rewards you have. Make your rewards checking a free account by signing up for electronic statements.
  • High rate of interest with qualifying debit card transactions
  • No minimum balance to earn interest
  • A $0.10 rebate for each signature based debit card transaction
  • Refunded ATM fees
  • No monthly service charge with E-Statements
  • 20 Free Starter Checks
  • Free Online Banking
  • Free ATM/VISA® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Bounce Protection available - Limit $750 on qualifying accounts
Click Here for full account disclosure
This account earns a current market interest rate calculated on the daily collected balance and interest is credited monthly with a minimum balance of $750.00. Proof of home ownership is needed to open an account.
  • No monthly service charge
  • No minimum balance
  • Tiered interest paid on all balances 
  • 50 free starter checks
  • Free safe deposit box for 1 year up to 3x10 size
  • 4 free cashiers checks per month
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
  • Discount on installment loans with automatic debit
  • Bounce protection available – Limit $750 on qualifying account. Ask a representative for details
A flexible, no maintenance fee checking account designed for students age 24 and under delivering convenience during a busy time of life.  Add electronic statements and your account is free.
  • No monthly service charge
  • No minimum balance
  • Refunded ATM fees
  • 20 free starter checks
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
A no maintenance fee checking account for senior citizens age 65 and over OR anyone receiving a direct deposit into the account.
  • No monthly service charge with direct deposit
  • No minimum balance
  • 50 free starter checks
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
  • Free First State Bank ATM transactions
  • Discount on installment loans with automatic debit
  • Bounce protection available – Limit $500 on qualifying account. Ask a representative for details

REORDER CHECKS
Reorder checks from Deluxe Corporation