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Students enjoying next generation checking from First State Bank.

Next Generation Checking

Smart checking built for ages 16-26 to learn to manage money confidently—without overdraft fees.1

Next Generation Checking is designed for young adults just starting out financially. Whether you’re working your first job, managing your own money for the first time, or learning how to budget and build credit, this account gives you the tools to build strong financial habits from day one.

Features & Benefits

  • Easy-to-open online with just $25
  • Access to mobile and direct deposit
  • No minimum monthly balance requirements
  • No expensive overdraft fees: Transactions exceeding your available balance are declined—no overdraft, NSF, or returned check fees
  • Bank 24/7 with convenient online banking
  • Access powerful free budgeting tools, track spending, set alerts, and monitor your credit score, anytime
  • No monthly service fee when you switch to e-statements2
  • Student status not required
Personal checking account icon

Account Features

All of our checking accounts come with convenient tools to make your life a little easier.

Open a student checking account to start banking with First State Bank.

Frequently Asked Questions

A few common questions, answered.

Don’t worry. When you turn 27, your Next Generation Checking account will be converted to a Simple Checking Account.

For account holders under 18, a parent or legal guardian as a joint account owner and must be present at account opening.

Yes. Direct deposit, mobile deposit, and in-branch deposits are available.

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.

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

2 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.