Checking

Farmers State Bank has checking accounts tailored to fit any lifestyle, budget and household. From basic to innovative, our checking accounts were designed to work with you in mind. 

Can’t stop into a branch? No problem! Apply online today and a Customer Service Representative will contact you!

FSB Advantage Secure Checking

Features & Benefits

• FSB Credit Care

  • Credit File Monitoring

  • Credit Report and Score

  • Credit Simulator

• FSB Cell Phone Protection

• Text Messaging

• Internet & Mobile Banking

• Direct Deposit, Debit Card, & Bill Pay Available

• $25 Initial Deposit to Open

• Monthly Maintenance Charge of $7.00 - can be reduced by up to $7.00 by combining any of the following:

  • 15 debit card transactions that post and clear during the statement cycle = $2.00 reduction

  • Receiving an electronic statement each month = $1.50 reduction

  • Maintaining a daily balance of $1,500 = $1.50 reduction

  • Open and maintain a consumer or business credit card with us = $2.00 reduction (All credit card applications are subject to review and approval)

  • Under the age of 18 and/or enrolled in higher education (Up to age 23) = $7.00 reduction

FSB E-Checking

Features & Benefits

• No minimum balance

• $25 Initial Deposit to Open

• Internet & Mobile Banking

• Direct Deposit, Debit Card & Bill Pay

• Monthly maintenance charge of $4.00

  • Charge can be eliminated by signing up for E-Statements

FSB Heritage Checking

Features & Benefits

• For customers ages 62 and over as the primary owner on account

• $25.00 initial deposit required to open

• No minimum balance

• 1 free box of specialty checks annually

• No monthly maintenance charge

• Direct Deposit, Debit Card & Bill Pay Available

• Internet Banking & Mobile Banking

Anchor

FSB Legacy Secure Checking

Features & Benefits

• $25.00 initial deposit required to open

• Membership in the Legacy Club

• Interest Bearing – Earn simple interest paid monthly on collected balance

• Extended FDIC Insurance available – Ask for details. Enrollment required

• Free Notary service, Bill Pay, Internet Banking and Electronic Statements

• One free box of distinctive Legacy Club checks per year

• Visa Debit Card

• $5 Annual discount on Safe Deposit Box rental

• $9.00 monthly maintenance charge – this charge can be eliminated by maintaining
  a $25,000 daily aggregate balance in any combination of FSB deposit accounts: personal checking, savings, CDs or IRAs

FSB Legacy Club

Members Enjoy These Benefits

• A dedicated Customer Service Concierge in each market

• Personalized Online Banking support

• Personalized Fraud Education and Prevention Awareness

• FSB Credit Care

  • Credit File Monitoring

  • Credit Report and Score

  • Credit Simulator

• FSB Cell Phone Protection

• Text Messaging

• Legacy Travel opportunities – Tailored, one-of-a-kind itineraries for individual or
  small group travel by our reputable tour company partners

• Receive a premium gift after every 5 Legacy Club trips!

• Receive our Legacy Club Explorer newsletters at least twice annually,
  detailing current travel opportunities and articles of interest

• Invitations to special events and functions

• CD Interest Rate Enhancement*

• Consumer Interest Rate Reduction

*Please see representative for full benefit details

Health Savings Account (HSA) Checking

Features & 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.

• Interest will be compounded and credited to the account every 3 months. (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

• Direct Deposit

• Debit Card (on approval).

• Internet Banking

• Bill Pay

• Account holder must comply with Federal HSA guidelines. See customer service for complete details.

Contact a bank employee for further information about any of the above accounts and their applicable fees and terms.

With Farmers State Bank's online form, applying for a checking account is fast and secure.

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