SBA Preferred Lender
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Accounts — Checking
The Right Checking Account For You
If you're interested in opening a checking account, Farmers
State Bank now has nine options. Find out which is best for you
and apply online.
FSB Advantage Checking
FSB Heritage Checking
FSB Legacy Checking
Super Now Checking
Transfer Money Market Checking
FSB Free Checking
Health Savings Account (HSA) Checking
 FSB Advantage Checking
Features and benefits of a Regular Checking Account:
- $25.00 initial deposit required to open
- $300 minimum balance
- If your account falls below $300 at any time during the statement cycle we will assess a maintenance charge of $4.91. In addition, there is a $.10 per check charge after the first 20 checks and $.25 per ACH debit posted to your account during the statement cycle.
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
- Imaged statements and 3-ring binder to store them
- Primary Account Holder will be enrolled in IDSafe Bank sponsored Identity Theft Program. (You may upgrade to IDSafe Choice Plus for $8.95 per month or to the family plan for $12.95 per month.)
Contact a bank employee for further information about applicable fees and terms.
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FSB Heritage Checking
Features and benefits of an FSB Heritage Checking Account:
- Requirement: 50 years of age or better
- $25.00 initial deposit required to open
- No minimum balance
- 1 box free specially designed Heritage checks per year
- Unlimited check writing
- Limited free money orders, photocopies, and notary services.
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
- Free Heritage ID Card - Present for free services
- Imaged statements and 3-ring binder to store them
Contact a bank employee for further information about applicable fees and terms.
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FSB Legacy Checking
Features and benefits of an FSB Legacy Checking Account:
- Requirement: Maintain an aggregate of at least $15,000 in any combination of personal checking accounts, savings, CDs, or IRAs.
- $25.00 initial deposit required to open
- If your aggregate balance falls below $15,000 at any time during the statement cycle we will assess a maintenance charge of $11.70. In addition, there will be a $.25 charge per ACH debit posted to your account during that statement cycle
- Interest calculated on collected balance.
- Simple interest paid monthly.
(
Rates may change at any time)
- 1 box free specially designed Legacy checks per year
- Unlimited check writing
- Limited free Cashier's Checks, money orders, photocopies, and notary services.
- No overdraft charges -- if aggregate balance requirement is met (applies if account has no more than three (3) overdrafts per calendar year).
- Imaged statements and 3-ring binder to store them
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
- Primary Account Holder will be enrolled in IDSafe Bank sponsored Identity Theft Program. (You may upgrade to IDSafe Choice Plus for $8.95 per month or to the family plan for $12.95 per month.)
- Free Legacy ID card - Present for free services
- Membership in the Legacy Club (see separate brochure for more information)
- $5 discount on yearly safe deposit box fee
Contact a bank employee for further information about applicable fees and terms.
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Super Now Checking
Features and benefits of a Super Now Checking Account:
- $25.00 initial deposit required to open
- $1,000 minimum balance
- If your balance falls below $1,000 at anytime during the statement cycle, we will assess a maintenance charge of $5.85. In addition there will be a $.25 charge per ACH debit posted to your account during that statement cycle.
- Unlimited check writing
- Interest calculated on collected balance.
- Simple interest paid monthly.
( Rates may change at any time)
- Imaged statements and 3-ring binder to store them
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
Contact a bank employee for further information about applicable fees and terms.
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Transfer Money Market Checking
Features and benefits of a Transfer Money Market Checking Account:
- $25.00 initial deposit required to open
- $2,500 minimum balance
- If your balance falls below $2,500 at anytime during the statement cycle, we will assess a maintenance charge of $11.70. In addition there will be a $.25 charge per ACH debit posted to your account during that statement cycle.
- Interest calculated on collected balance and based on balance tier.
- Simple interest paid monthly.
( Rates may change at any time)
- Imaged statements and 3-ring binder to store them
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
Contact a bank employee for further information about applicable fees and terms.
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FSB Free Checking
Features and benefits of a Basic Checking Account:
- $25.00 initial deposit required to open
- No minimum balance
- No monthly service charge
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
- Monthly statements, no check images
Contact a bank employee for further information about applicable fees and terms.
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Health Savings Account (HSA) Checking
Features and benefits of a (HSA) Checking Account:
- $25.00 initial deposit required to open
- No minimum balance
- Interest calculated on collected balance and based on balance tier.
- Simple interest paid monthly.
( Rates may change at any time)
- This account is limited to six (6) debit transactions per month. These debits may be done by transfer (phone, ATM, Internet), 'in person' withdrawal or by Debit Card transaction.
- If the limit of six (6) debit transactions is exceeded during the month, your account will be charged a monthly maintenance charge of $10.00.
- Imaged statements and 3-ring binder to store them
- Direct Deposit
- Free Debit Card (on approval).
- Free Internet Banking
- Free Bill Pay
(may be deactivated if inactive for 90 days)
- Account holder must comply with Federal HSA guidelines. See customer service for complete details.
Contact a bank employee for further information about applicable fees and terms.
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With Farmers State Bank's online
form, applying for a checking account is fast and secure.
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