Checking Accounts

Start your journey to achieve your financial goals.

Why choose First State Bank and Trust for your checking account?

Simply put, we do more here. We offer a wide array of financial services you won’t find in most banks―from insurance to investments to mortgages to business loans to trusts. As you add services, having them all under one roof will make life simpler, financial planning easier, and goals more achievable.

Set high standards for convenience and value with our checking accounts. Choose the account with features that will enhance your personal approach to money management.

Earn Interest

First Class

$20.00 minimum to open
$1,000 minimum balance
Tiered interest rates
Free standard checks
Free Cashier’s Checks & Money Orders
Free 3 x 5 Safe Deposit Box

First Class details

50+ Club

Croix Club

For clients age 50 or better
$20.00 minimum to open
No minimum balance
Free standard checks
Interest bearing

Croix Club details

Traditional Checking

1914

$20.00 minimum to open
$100.00 minimum balance
Paper statements

1914 details

All FSBT Checking Accounts Include

Debit Mastercard® or ATM card

Online Banking

eStatements

Mobile banking

iTalk

Consumer loan discount³

Visa credit card options⁴

Free notary service

Overdraft Protection Line of Credit⁴

Account Protection Transfer

Side-By-Side Comparison

See how our accounts stack up next to one another.

Description	First Class	Croix Club	1914	eChecking
Minimum to Open	$20.00	$20.00	$20.00	$20.00
Minimum Balance	$1,000.00¹	None	$100.00	None
Minimum to Obtain Annual Percentage Yield (APY)	Tiered Rates $0 - $9,999.99 $10,000.00 - $49,999.99 $50,0000 & Over	$0.00
Monthly Maintenance Charge	$15.00 if balance falls below Minimum¹	None	$3.00 if balance falls below minimum	None
Monthly Activity Charge	None	None	$0.25 per debit item if balance falls below minimum²	None
Paper Statement Fee				$6.00
Interest	Yes - tiered rates $0 - $9,999.99 $10,000.00 - $49,999.99 $50,000 & Over
Free Standard Checks or 50% Off Any Check Order
Free Cashier's Checks, Money Orders
Free 3x5 Safe Deposit Box	Yes⁵

¹ Waived if Trust Relationship is maintained
² Debit items include withdrawals created by checks, in-person withdrawal, ATM withdrawal, debit card withdrawal, ACH and Internet
³ With automatic payment from First State Bank and Trust checking account
⁴ Upon credit approval
⁵ Or equivalent credit for a larger size box

Compare our Accounts

Overdraft Protection Line of Credit

Use our Overdraft Protection Line of Credit to protect yourself from accidental overdrafts. This line of credit is attached to your checking account and money is transferred automatically in the event of an overdraft. Transfers are made in increments of $100.

Account Protection Transfer

This product allows you to link a savings, money market, or another checking account to your primary checking to protect your account from being overdrawn. Transfers are made in increments of $100. Refer to fee schedule for applicable fees.

Need assistance balancing your account?

Use this Balancing Your Account resource to help.

Checking Accounts

Start your journey to achieve your financial goals.

Why choose First State Bank and Trust for your checking account?

All FSBT Checking Accounts Include

See how our accounts stack up next to one another.

We're ready to help you start your journey toward financial success.