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.
New Start Checking
Keep more of what’s yours. Start building a stronger financial future with safe, affordable everyday banking.
New Start Checking is a Bank On Certified checking account designed to make everyday banking simple, predictable, and secure.
Whether you’re opening your first checking account, returning to banking or simply looking for an affordable way to manage your money, you’ll have convenient tools to help you stay in control, avoid costly overdraft fees and work toward your financial goals.
With direct deposit, bill payment options, low balance alerts, and a Visa® debit card, New Start Checking makes it easier to manage everyday expenses without relying on costly check-cashing services or other alternatives to traditional banking.
Bank On Certified Checking Account Benefits
- Open a checking account online with just $25
- Enjoy no minimum monthly balance requirement or overdraft fees
- Pay a low $5 monthly service fee
- Bank on the go and set low balance alerts with free online banking
- Access your money without carrying cash with a Visa® debit card and direct deposit
- Get free, secure e-statements ($2 for paper statements)¹
- Monitor your credit score in digital banking and our mobile app
Manage Your Money with Confidence
A bank account can make everyday money management easier—and help you keep more of what you earn. Pay bills efficiently, keep track of spending, set low balance alerts, and securely access your money when you need it.
New Start Checking also gives you a place to begin working toward longer-term financial goals, whether that means building savings, creating an emergency fund, or simply having more control over where your money goes.
Convenient Tools for Everyday Banking
All of our checking accounts come with convenient tools to make your money a little easier to access.
Ready to get started? Open a New Start Checking account and enjoy safe, affordable banking.
Frequently Asked Questions
A few common questions, answered.
New Start Checking is certified by the Cities for Financial Empowerment Fund’s Bank On program, which recognizes checking accounts that meet national standards for safe, affordable banking.
With no minimum monthly balance requirement, no overdraft fees, and convenient digital banking tools, New Start Checking provides a straightforward way to manage your money without worrying about unexpected overdraft charges.
Keeping your money in a checking account gives you convenient ways to manage, track, and access your money without carrying cash. With New Start Checking, you can use a Visa® debit card, direct deposit, mobile banking, low balance alerts, and other tools to help you stay in control of your money.
Your eligible deposits at First State Bank of St. Charles are also insured by the FDIC up to applicable legal limits.
New Start Checking is designed to keep banking costs predictable. It requires just $25 to open, with no minimum monthly balance requirement. Low balance alerts can help you keep track of your available funds. Plus, there are also no overdraft fees, so you don’t have to worry about an overdraft charge taking money out of an already-low balance.
Free e-statements are available when you enroll in digital banking and activate e-statements.1
New Start Checking is designed to provide a straightforward return to banking. There are no minimum balance requirements or overdraft fees, and tools like low balance alerts, digital banking, and direct deposit can make it easier to keep track of your money.
Using a checking account may help you avoid fees associated with check-cashing services and other costly alternatives to traditional banking. New Start Checking also gives you convenient ways to monitor spending, manage bills, and plan for future expenses, helping you keep more of what you earn.
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.
First State Bank account holders must go to Digital Banking and click “Enroll” in order to access their banking accounts online and with the First State Bank of St. Charles mobile app.
Disclosures
All products and services are subject to approval.
1 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.
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