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Personal Checking

Check us out for value.

When you open a checking account at a bank, you expect great service, dependability and value.  What you don’t expect (or need) are strings attached to your account in order to avoid fees.


At First State Bank, Totally Free Checking really is FREE!  Free of minimum balances and hidden weekly, monthly or annual fees.  We also have three great interest-bearing accounts to fit your every need.  Plus, when you open your new account, you’ll get something else: a free gift to say ‘thank you.’  We’ll also buy back your unused checks and debit card from another financial institution for a $25 credit to your new account!


Totally Free Checking

A free account for everyone! With no minimum balance or monthly service charge.

Easy Interest

Earn interest with the convenience of direct deposit or any automatic payment!

50+ Interest Checking

A perfect account for customers 50 and over!

Premier Interest Checking

An account for those interested in higher interest!  Simply maintain a balance of $1,500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

Want to compare these accounts side by side? 

*Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE Thank you gift
  • Buy back of your unused checks and debit cards from another financial institution and apply a $25 to your new account.


Checking Account Comparison

Account Details

Totally Free Checking 

  • No minimum opening deposit
  • No Monthly Service Charge
  • No per check charge
  • Fee Schedule

Easy Interest Checking

  • No minimum opening balance
  • No Monthly Service Charge
  • No per check charge
  • Variable interest rate account that earns competitive interest
  • Fee Schedule

50+ Interest Checking

  • No minimum opening deposit
  • No Monthly Service Charge
  • No per check charge
  • Free box of personalized corporate image checks per calendar year
  • Variable interest rate account that earns competitive interest
  • Fee Schedule

Premier Interest Checking 

(Our highest interest checking account)

  • No minimum opening deposit
  • $1,500 minimum balance after opening
  • $6 Monthly Service Charge if minimum balance drops below $1,500 during your statement cycle
  • No per check charge
  • Free box of personalized corporate image checks per calendar year
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500
  • Fee Schedule 


*Unless specified otherwise customer purchases checks. Other fees such as overdraft, non-sufficient funds (NSF) fee, continuous overdraft, etc. may apply.  See fee schedule for details. Bank rules and regulations apply. Free gift provided at the time of account opening. $25 for checks and debit cards from another financial institution. Your account will be credited at the time the checks/debit cards are presented.