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Please compare the great features of our personal checking accounts and apply for the one that's the best fit for you.


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Free
Express
Regular
First Rewards
Build Your Own
NOW/SuperNOW
Minimum Opening Deposit $100 $50 $100 $100 $250 $400/$2500
Daily Balance Requirements none none $500
to avoid fees
none
$250
to avoid fees
$400/$2,500
to avoid fees
Interest Bearing
Images with Statement

FREE Online Banking & Billpay
FREE Debit/ATM Card
Additional Features Simple
& Free
Fully Electronic,
Totally Green
Very
Versatile
Great Premium
Rewards
Premium Rewards
Tailored to YOU!
Tiered
interest rates
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Free Checking
Absolutely free checking. Perfect for students. 
Please note: Images are not returned with Free Checking statements.

  • Minimum initial deposit - $100
  • No minimum daily balance requirement
  • No service fee
  • Unlimited check writing

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Express Checking
Paperless banking with this fully electronic account is as green as can be. 
Please note: There will be a $1.00 fee imposed for any paper transactions.

  • Minimum initial deposit - $50
  • No minimum daily balance requirement
  • No service fee
  • Debit or ATM Card only; No paper checks
  • Pairs perfectly with our Internet Banking, Mobile Banking, and Mobile App with Remote Deposit Capture
  • eStatements required

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Regular Checking

  • Minimum initial deposit - $100

Service charges based on a minimum daily balance:

  • $500 Balance and over - No fee
  • $100-499.99 Balance - $3 per month + $.15 per debit 
  • $0 - $99.99 Balance - $4 per month + $.15 per debit

Monthly statements that summarize all activity.
Images are returned with the statement.

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First Rewards

  • Minimum initial deposit - $100
  • No minimum balance
  • Unlimited check writing
  • Service fee - $5 per month 

Membership Benefits

  • Checks provided free (1 box per year)
  • Direct Deposit
  • Free Notary Service 
  • Reduced Fee for Cashier’s Checks and Money Orders
  • Photocopy Service - up to 10 pages free per visit
  • Overdraft Protection from Savings account
  • 1st year Lock Box rent free and 10% discount thereafter 
  • 15 basis points bump up on CD (one time per year) 
  • Interest rate discount on car loans (auto debit required)

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Build Your Own Checking
Tailoring this account to your needs is as easy as 1-2-3.

  • Minimum initial deposit - $250
  • Service fee per statement cycle based on minimum daily balance less than $250 = $5 fee
  • Selection of premium options
  • More account relationships with First State means more premiums for you

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Interest Checking

Tiered average daily balances available yielding tiered interest. Please ask a relationship banker for details .

Super NOW
Service fee is based on average daily balance during statement cycle 
  • $2,500 or more - no fee
  • Below $2,500 - $10
  • Below $2,500 with eStatement - $8 

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NOW
Service fee is based on average daily balance during statement cycle 
  • $400 or more - no fee
  • Below $400 - $7
  • Below $400 with eStatement - $5 

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INTEREST - Super Now and Now

Interest is compounded the last day of monthly statement cycle. Interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on the account daily. Interest is based on the average daily balance during the statement cycle. The average daily balance is obtained by adding the principal in the account for each date of the statement cycle and dividing that figure by the number of days in the period. If average daily balance falls below minimum, interest rate and Annual Percentage Yield are reduced to zero. We reserve the right to require 7 days notice prior to withdrawal.

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