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
50+ Club
Croix Club
- For clients age 50 or better
- $20.00 minimum to open
- No minimum balance
- Free standard checks
- Interest bearing
Traditional Checking
1914
- $20.00 minimum to open
- $100.00 minimum balance
- Paper statements
Most Popular
eChecking
- $20.00 minimum to open
- No minimum balance
- No monthly activity charge
All FSBT Checking Accounts Include
Consumer loan discount3
Free notary service
| 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 |  |
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| 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 | |
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$6.00 |
| Interest | Yes - tiered rates $0 - $9,999.99 $10,000.00 - $49,999.99 $50,000 & Over |
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| Free Standard Checks or 50% Off Any Check Order | |
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| Free Cashier's Checks, Money Orders | |
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| Free 3x5 Safe Deposit Box | Yes5 | |
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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
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
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.