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Checking Accounts

Checking designed for the way most people bank today. Whether you want a straightforward checking account or to earn interest on your balance, you get to manage your finances your way.

Personal checking account icon

All our checking accounts offer the convenience of:

  • Everyday Checking Accounts
  • Everyday Checking Accounts
  • Checking Built For Your Situation
  • Checking Built For Your Situation
  • Feature
  • Premium NOW Checking
  • Simple Checking
  • Next Generation Checking
  • New Start Checking
  • Best for
  • Best if you keep higher balances in checking
  • Best if you want low-cost, everyday checking
  • Best if you
  • Best if you
  • Minimum opening deposit
  • $100
  • $100
  • $25
  • $25
  • Minimum daily balance
  • $1,000
  • $100
  • None
  • None
  • Minimum monthly balance
  • $1,000
  • $100
  • None
  • None
  • Monthly service fee
  • $102
  • $72
  • $0
  • $5
  • Interest-bearing3
  • Yes
  • Digital Banking
  • Yes
  • Yes
  • Yes
  • Yes
  • Statement fee4
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
Compare of personal checking accounts.
Everyday Checking AccountsChecking Built For Your Situation
FeaturePremium NOW CheckingSimple CheckingNext Generation CheckingNew Start Checking
Best forBest if you keep higher balances in checkingBest if you want low-cost, everyday checkingBest if youBest if you
Minimum opening deposit$100$100$25$25
Minimum daily balance$1,000$100NoneNone
Minimum monthly balance$1,000$100NoneNone
Monthly service fee$102$72$0$5
Interest-bearing3Yes
Digital BankingYesYesYesYes
Statement fee4$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper
Next StepsOpen Account for Premium NOW Checking Learn More about Premium NOW CheckingOpen Account for Simple Checking Learn More about Simple CheckingOpen Account for Next Generation Checking Learn More about Simple CheckingOpen Account for New Start Checking Learn More about New Start Checking

All products and services are subject to approval.

1 Applicants under 18 must have a parent or legal guardian as a joint account owner and must be present at account opening.

2 Service fee based on lowest monthly balance.

3 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.

4 The paper statement charge is $2 per month. For free paperless statements (e-statements), you must activate Digital Banking and sign up for e-statements.

Take It from Our Customers

Austin and Ali W.

Everyone knows us when we walk in; we feel very welcome and understood. If it wasn’t for First State Bank, I would not have had the means to start my business. We always tell friends and family to choose First State Bank because of the small town feel, friendly staff, and because of the opportunity they gave us.

Frequently Asked Questions

A few common questions, answered.

The right choice depends on how you plan to use your money.

Choose Premium NOW Checking if you:

  • Use your account for everyday spending and bill payments.
  • Want to earn interest without giving up checking flexibility.
  • Prefer unlimited check writing and easy access to your funds.
Choose a Money Market Account if you:

  • Want to earn a higher rate on money you’re saving.
  • Don’t need to use the account for everyday purchases.
  • Are comfortable keeping your spending money in a separate checking account.

Many customers use both—keeping everyday spending money in a checking account while setting aside additional savings in a Money Market Account to earn a higher rate.

Please present one of these items for proof of identification:

  • Driver’s license
  • State-issued ID card
  • Military ID card
  • Passport

Please present one of these bills for proof of address:

  • Recent utility bill
  • Real estate tax bill
  • Personal property tax bill
  • Credit card bill

Identification requirements may vary depending on citizenship or residency status. Please contact your local banking center for details.

Please present one of these items for proof of identification:

  • Driver’s license
  • State-issued ID card
  • Military ID card
  • Passport

In lieu of the above forms of identification, you may present one of these items along with an item containing your name and address, such as an organization membership card, voter registration card, utility bill or real estate tax bill:

  • Social Security card
  • Medicare or Medicaid card
  • Insurance card

Identification requirements may vary depending on citizenship or residency status. Please contact your local banking center for details.

Log in to Digital Banking. From the mobile banking app:

  1. Click “Move Money”
  2. Click “Send Money with Zelle®
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. View your remaining limit

From your desktop computer:

  1. Click “Move Money | Zelle®
  2. Click “Send Money with Zelle®
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. View your remaining limit

It’s easy. Just go to Digital Banking and click “Enroll” to access your banking accounts online or with the First State Bank of St. Charles mobile banking app.

Disclosures

All products and services are subject to approval.

1 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.

2 Service fee based on lowest monthly balance.

3 The paper statement charge is $2 per month. For free paperless statements (e-statements), you must activate Digital Banking and sign up for e-statements.

4 Applicants under 18 require a parent or legal guardian as a joint owner on the account.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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