Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Checking Account Comparison
All our checking accounts include:
- Top-Tier Accounts
- Top-Tier Accounts
- Base-Tier Accounts
- Base-Tier Accounts
- Base-Tier Accounts
| Top-Tier Accounts | Base-Tier Accounts | ||||
|---|---|---|---|---|---|
| Feature | Premium NOW Checking | Select Checking | Simple Checking | Next Generation Checking | New Start Checking |
| Best for | People seeking interest, rewards & premium features | Everyday banking with added perks and flexibility | Basic, low-cost checking with essential features | Ages 16-26 learning to manage money and build good financial habits1 | People rebuilding financial stability after past checking account challenges |
| Minimum opening deposit | $100 | $100 | $100 | $25 | $25 |
| Minimum daily balance | $1,000 | None | $100 | None | None |
| Minimum monthly balance | $1,000 | None | $100 | None | None |
| Monthly service fee | $102 | $6 | $72 | $0 | $5 |
| BaZing benefits3,4 | Yes | Yes | |||
| Interest-bearing5 | Yes | ||||
| Digital Banking | Yes | Yes | Yes | Yes | Yes |
| Statement fee6 | $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 | $0 for e-statements, $2 for paper |
| Next Steps | Open Account for Premium NOW Checking Learn More about Premium NOW Checking | Open Account for Select Checking Learn More about Select Checking | Open Account for Simple Checking Learn More about Simple Checking | Open Account for Next Generation Checking Learn More about Simple Checking | Open 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 Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
4 Insurance products are: Not a deposit. Not FDIC-insured. Not insured by any federal government agency. Not guaranteed by the bank.
5 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.
6 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.
Make the most of everything your checking account offers with our Powered by BaZing checking benefits.
Reward the way you live, shop, and travel with insurance savings and premium discounts from 400,000+ national and local retailers.
- Download BaZing App
Take It from Our Customers
Mary Clark, Masterclock, Inc.
First State Bank has played an important role in the growth and success of Masterclock as a global leader in the timing industry. From business checking, lines of credit, and Missouri’s liked deposit program to employee HSA accounts, FSB has always offered outstanding service for our company and employees. FSB’s business online makes managing various accounts a seamless process. As a local manufacturer, woman-owned, small business and an exporter worldwide, Masterclock continues to bank on First State Bank.
Frequently Asked Questions
A few common questions, answered.
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:
- Click “Move Money”
- Click “Send Money with Zelle®”
- Click “Send”
- Choose a recipient and click “Continue”
- Click “Limits?” under $0
- View your remaining limit
From your desktop computer:
- Click “Move Money | Zelle®”
- Click “Send Money with Zelle®”
- Click “Send”
- Choose a recipient and click “Continue”
- Click “Limits?” under $0
- 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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.