PERSONAL CHECKING ACCOUNTS

All accounts offer FREE Online Banking, Mobile Banking, E-Statements, and Bill Pay.

Kasasa Cash Checking

$100
Opening Deposit
$0
Minimum Balance
Yes
Earns Interest

Features

  • Earn 1.51% APY on balances up to $20,000 1 2
  • Earn .25% APY on portion of balances above $20,000 1 2
  • If monthly qualifications are not met, you still earn .05% APY 1
  • ATM fee refunds nationwide up to $25 monthly per qualification cycle 1 3
  • Link to Kasasa Saver® to build savings automatically
  • No monthly service charge
  • No minimum balance to earn rewards
  • Debit card with no monthly fee
  • Ask about our overdraft protection options

Monthly Service Fees

  • None

Transaction Fees

  • None

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Kasasa Cash Back

$100
Opening Deposit
$0
Minimum Balance
No
Earns Interest

Features

  • 2.00 % cash back on debit card purchases 5
    • No category restrictions on purchases
    • Cash back earned on purchases up to $500 monthly
    • Earn up to $10 cash back per month
  • ATM fee refunds nationwide up to $25 monthly per qualification cycle 1 3
  • Link to Kasasa Saver® to build savings automatically
  • No monthly service charge
  • No minimum balance to earn rewards
  • Debit card with no monthly fee
  • Ask about our overdraft protection options

Monthly Service Fees

  • None

Transaction Fees

  • None

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Personal Checking

$100
Opening Deposit
$600
Minimum Balance
No
Earns Interest

Features

  • No monthly charge if balance requirement is met
  • Debit card upon approval ($1.00/mo)
  • Free eStatement. There will be an additional charge for paper statements.
  • Check images with statement
  • Unlimited check writing privileges
  • Ask about our overdraft protection options

Monthly Service Fees

  • $7.00 if less than minimum daily balance

Transaction Fees

  • None

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Advantage Checking

$100
Opening Deposit
$0
Minimum Balance
No
Earns Interest

Features

  • 20% discount on safe deposit box rental
  • Accidental death/dismemberment coverage
  • Personalized checks Gray Smoke style (customer pays S&H)
  • Debit card upon approval ($1.00/mo)
  • Free eStatement. There will be an additional charge for paper statements.
  • Check images with statement
  • Unlimited check writing privileges
  • Five (5) Complimentary Photo Copies per Month (Family plan only)
  • Key tag return
  • Household Inventory Ledger
  • Credit Card Registration
  • Emergency Medical ID
  • No fee Cashiers Checks
  • No fee Notary Service
  • Pharmacy Discount Card
  • $5,000 Identity Fraud Expense Coverage
  • Ask about our overdraft protection options

Monthly Service Fees

  • Individual Coverage ($15,000): $7.00
  • Family Plan
    ($15,000 each; $1,500 for children): $9.00
  • Coverage reduces by 50% at age 50.

Transaction Fees

  • None

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Low Cost Checking

$100
Opening Deposit
$0
Minimum Balance
No
Earns Interest

Features

  • Unlimited check writing privileges
  • Debit card upon approval ($1.00/month)
  • Free eStatement. There will be an additional charge for paper statements.
  • No images returned with statement
  • Ask about our overdraft protection options

Monthly Service Fees

  • $2.95

Transaction Fees

  • None

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Premier Advantage
Personal

$10,000
Opening Deposit
$10,000
Minimum Balance
Yes
Earns Interest

Features

  • 20% discount on safe deposit box rental
  • Accidental death/dismemberment coverage
  • Cashiers checks without an issuance charge
  • Notary service without charge
  • Free personalized checks (customer pays S&H)
  • VISA Credit Card and VISA Check Card with no annual fee upon approval
  • Unlimited check writing privileges
  • Free eStatement. There will be an additional charge for paper statements.
  • Check images with statement
  • Ask about our overdraft protection options

Monthly Service Fees

  • $20.00
  • No interest will be paid if less than minimum daily balance

Transaction Fees

  • None

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Student Checking
Must be age 24 & younger with valid student identification

$50
Opening Deposit
$0
Minimum Balance
No
Earns Interest

Features

  • Debit Card with no monthly fee
  • No monthly service charge
  • Unlimited transactions
  • Customer pays for checks and postage
  • Free eStatement. There will be an additional charge for paper statements.
  • Overdraft Privilege not available on this account

Monthly Service Fees

  • None

Transaction Fees

  • None

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Super Checking
Personal

$500
Opening Deposit
$1,000
Minimum Balance
Yes
Earns Interest

Features

  • Pays market rates when daily collected balance is above $500
  • Debit card upon approval ($1.00/month)
  • Unlimited check writing privileges
  • Free eStatement. There will be an additional charge for paper statements.
  • Check images with statement
  • Ask about our overdraft protection options

Monthly Service Fees

  • $9.00 if less than minimum daily balance

Transaction Fees

  • None

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College students may present their ATM receipts to us within 60 days of a transaction for a reimbursement of First State Bank ATM charges.

1 Qualification cycle begins one business day prior to the first calendar day of the current month and ends one business day prior to the last business day of the current month. Definition of business day – Monday thru Friday and excluding Federal holidays. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account.

2 Annual Percentage Yield (APY) accurate as of April 1, 2016. Rate tiers are as follows: 1.51% applies to balances of $.01 - $20,000 and .25% paid on portion of balances over $20,000 as long as qualifications are met each qualification cycle. .05% will be earned on all balances if qualifications are not met. All balances will earn .25% - 1.51% as long as qualifications are met. Rates may change after the account is opened. Fees could affect account earnings. Interest will be paid monthly.

3 Effective April 1, 2016, if you have met your qualifications during the qualification cycle, we will reimburse you for domestic ATM fees up to $25 per qualification cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed up to a maximum of $5.00 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches. Please contact us, if you believe that you have not been reimbursed the correct amount. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.

4 You must enroll and receive your monthly account statement electronically. If you fail to meet this condition by the end of your second monthly statement cycle, your account will be charged a fee of $6.00 for each month a paper statement is mailed and each subsequent statement cycle until the condition is met. Additionally, if your electronic statement is returned as undeliverable, you will be mailed a paper statement via US Postal Mail to your address of record, and this account will be charged a paper statement fee of $6.00 for each month a paper statement is mailed and each subsequent statement cycle until the condition is met.

5 When monthly qualifications are met, you receive 2.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to total cash back of $10 per monthly qualification cycle. Qualifying transactions must post to and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions.

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.