SECURE
Personal Checking Accounts
At First State Bank, we’re all about helping you make the most of your money. Whatever stage you find yourself in life, we have a checking account for you. Each checking account features great benefits to fit your financial needs. Whether you’re looking for a simple, easy-to-use checking account or one that includes interest and digital features, FSB will help you choose the one perfect for you.
Main Street Rewards Checking
Earn high interest rates, transaction rebates, and ATM fee refunds when you meet our easy qualifications. Main Street Rewards Checking is a tiered account which means the more you use it, the more rewards you earn. No service charge when you sign up for electronic statements.
Homeowners Advantage Checking
If you own your own home, this account is for you. A current market rate of interest is calculated on the daily collected balance and is credited monthly with a minimum balance of $750. Proof of homeownership is needed to open an account.
Student Checking
A flexible, no-maintenance-fee checking account designed for students age 14 to 24 – delivering convenience during a busy time of life. Add electronic statements, and your account is free.
Personal Checking
A low cost account with all the features to help you manage your money. A monthly service fee of $7 can be avoided with a minimum daily balance of $500 or an average monthly balance of $1,000.
Enjoy contactless payment technology.
Contactless payments are transactions made by tapping either a contactless chip card or payment-enabled mobile or wearable device over a contactless-enabled payment terminal. Cards, phones, watches and other devices use the same contactless technology.
Visa Check Card
A better customer experience
Tapping to pay allows you to checkout easily and avoid touching surfaces – and it only takes seconds.
Secure transactions
Tapping to pay with a contactless chip card or payment-enabled mobile or wearable device is a secure way to pay because each transaction generates a one-time code, just like contact EMV.
No signature required
In 2018, Visa removed the need to capture and validate a signature for merchants that have deployed EMV® chip technology.
Looking for a better way to save for your healthcare needs?
We’ve got a Health Savings Account to help you!
If you have a high-deductible health plan, a First State Bank Health Savings Account (HSA) may be the perfect option to help you save for planned and emergency medical expenses. Our HSA accounts come with many benefits and features, and contributions can be made by your or your employer.
- No annual administration fee
- Low opening deposit – only $25
- First 20 checks free
- No fee Visa Check Card
- Earns a higher rate of interest
- Monthly service fee of $2.49 can be waived with electronic statements or if the balance exceeds $5,000
- Free Digital Banking access
- 24-hour Hometown Phone Connection
Health Savings Card
You Shop. We Donate
First State Bank will donate $.05 to the school of your choice for every signature-based transaction made with a First State Bank School Spirit Debit Card. Choose from 13 participating schools. Cards may be linked to any type of consumer checking account and are available to any deposit account holder. For students under 18 years of age, an adult must be a joint owner of the account. Donations will be made quarterly to the school to assist in funding school programs of choice such as music, art, athletics, or other miscellaneous student programs. When opening a checking account with First State Bank, you can choose to receive a School Spirit Debit Card at no cost. You shop, and First State Bank donates!
To Report a Lost or Stolen ATM/Debit Card: After normal business hours use option 8 from our Hometown Phone Connection 574-825-2166 or Toll-Free 800-511-1802.
Please call during normal business hours to order a new card.
