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Personal Checking Accounts

At First State Bank, we’re all about helping you make the most of your money. Whatever stage you find yourself in life, we have a checking account for you. Each checking account features great benefits to fit your financial needs. Whether you’re looking for a simple, easy-to-use checking account or one that includes interest and digital features, FSB will help you choose the one perfect for you.

 

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Learn more about our personal banking card options

Main Street Reward Checking

It’s now possible for you to earn high interest rates, transaction rebates, and ATM fee refunds when meeting our easy qualifications. Main Street Checking is a tiered account which means the more you use it, the more possibilities for rewards you have. Avoid a service charge by signing up for electronic statements.

  • High rate of interest with qualifying debit card transactions
  • No minimum balance to earn interest
  • A $0.10 rebate for each signature-based transaction (based on qualifying debit card transactions)
  • Refunded ATM fees (based on qualifying debit card transactions)
  • No monthly service charge with E-Statements
  • 20 Free Starter Checks
  • Free Online Banking
  • Free ATM/VISA® Check Card
  • Free 24 Hour Hometown Phone Connection
  • Free First State Bank ATM Transactions
  • Bounce Protection available – Limit $750 on qualifying accounts

 

Click for full account disclosure

Homeowners Advantage Checking

If you own your own home, this account is for you. A current market rate of interest is calculated on the daily collected balance and is credited monthly with a minimum balance of $750.00. Proof of homeownership is needed to open an account.

 

Account Features

  • No monthly service charge
  • Tiered interest paid on balances of $750 or more
  • 20 free starter checks
  • Free safe deposit box for 1 year up to 3×10 size
  • 4 free cashiers checks per month
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
  • Bounce protection available – Limit $750 on qualifying account. Ask a representative for details

 

Student

A flexible, no-maintenance-fee checking account designed for students age 14 to 24 – delivering convenience during a busy time of life.  Add electronic statements, and your account is free.

 

Account Features

  • No monthly service charge
  • No minimum balance
  • Refunded ATM fees (up to $10 per statement cycle)
  • 20 free starter checks
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
  • Depositors under age 18 must have a parent or guardian on the account. Once the account owner reaches age 24, the account will be converted to a First State Bank Main Street Rewards Checking account.

 

No Fee Checking

A no-maintenance-fee checking account for senior citizens age 60 and over OR anyone receiving a direct deposit into the account.

 

Account Features

  • No monthly service charge with direct deposit
  • No minimum balance
  • 20 free starter checks
  • Free online banking
  • Free electronic statements
  • Free ATM/ Visa® check card
  • Free 24-hour hometown phone connection
  • Free First State Bank ATM transactions
  • Bounce protection available – Limit $500 on qualifying account. Ask a representative for details

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First State Bank

111 South Main St.,
P.O. Box 69
Middlebury, IN
46540-0069

 

Routing Number: 071208297

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