Mother with daughter in kitchen enjoying Premium Now Checking

Premium NOW Checking

Earn interest while keeping your money available for everyday spending.

Features & Benefits

  • Open a checking account with just $100
  • Earn competitive interest on your balance, compounded and paid monthly, with unlimited transactions1
  • $10 monthly service charge waived with a $1,000 daily minimum balance2
  • Do the smart thing and go paperless with free, clutter-free and secure e-statements ($2 for paper statements)3
  • Bank on the go with free and easy online and mobile banking
  • Set up convenient direct deposit and bill pay

Rates

Rates for Personal checking and savings accounts

Effective Date: 06/11/2026

  • 0.40%
    Interest RateA
  • 0.40%
    Annual Percentage Yield (APY)
  • $100
    Opening Deposit
  • $0 ($10 if balance falls below $1,000)
    Monthly Service FeeB

A All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

B Service charges based on the lowest monthly balance.

Personal checking account icon

Account Features

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

Ready to earn more while you bank? Open a Premium NOW Checking account today.

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.

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

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