Personal

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. No matter the account you choose, the following features and benefits are available to you!

  • $25 initial deposit to open
  • Free Internet Banking & Bill Pay
  • Debit card (on approval)
  • Direct Deposit

Farmers State Bank now has six innovative accounts to choose from. Explore the different features and decide which is best for you! Can’t stop into a branch? No problem! Apply online today and a Customer Service Representative will contact you!

FSB E-Checking

Features and benefits:

  • E-Statement REQUIRED
  • $25.00 initial deposit required to open
  • No minimum balance
  • No monthly maintenance charge
  • Unlimited Check Writing
  • Direct Deposit
  • Debit Card
  • Internet Banking
  • Bill Pay

FSB Advantage Secure Checking

Features and benefits:

  • $25.00 initial deposit required to open
  • Unlimited Check Writing
  • Direct Deposit
  • Debit Card
  • Internet Banking
  • Bill Pay
  • IDProtect and Cell Phone Protection
  • $7.00 monthly maintenance fee - can be reduced by up to $5.00 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 minimum balance of $1,500 = $1.50 reduction

FSB Heritage Checking

Features and benefits:

 

  • For customers ages 62 and over
  • $25.00 initial deposit required to open
  • No minimum balance
  • Unlimited Check Writing
  • 1 free box of specialty checks annually
  • No monthly fee
  • Direct Deposit
  • Debit Card
  • Internet Banking
  • Bill Pay

FSB Legacy Secure Checking

Features and benefits:

  • $25.00 initial deposit required to open
  • Interest calculated on collected balance.
  • Simple interest paid monthly. (Rates may change at any time.)
  • 1 box free Legacy checks per year
  • Unlimited check writing
  • Limited free Cashier's Checks, photocopies, and notary services.
  • Direct Deposit
  • Debit Card
  • Internet Banking
  • Bill Pay
  • IDProtect and Cell Phone Insurance Coverage
  • $15.00 monthly maintenance fee - can be eliminated by maintaining an aggregate of at least $25,000 in any combination of personal checking accounts, savings accounts, CDs, or IRAs.
  • Membership in the Legacy Club (see separate brochure for more information)
  • $5 discount on yearly safe deposit box fee

FSB Personal Interest Checking

Features and benefits:

  • $25.00 initial deposit required to open
  • $1,500 minimum balance
  • If your balance falls below $1,500 at anytime during the statement cycle, we will assess a maintenance charge of $7.00.
  • Unlimited check writing
  • Interest calculated on collected balance.
  • Simple interest paid monthly. (Rates may change at any time)
  • Direct Deposit
  • Debit Card
  • Internet Banking
  • Bill Pay

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 .
  • 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 and 3-ring binder to store them
  • Direct Deposit
  • Debit Card (on approval).
  • Free Internet Banking
  • Free 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.

Lost or Stolen FSB Credit/Debit Card?
24 Hours 800-423-7503
Daytime 406-642-3431
After Hours 800-236-2442
Giving the Bounce to Counterfeit Check Scams

 

Running Low on Checks Reorder checks!