Business Checking

Bank services that meet your business goals.

We look at our relationships with businesses as being reciprocal. If your business is successful, we are too. Business owners are the reason our community stays grounded, which is why we have designed checking accounts to make things easier for your operations. From regular business checking accounts that help you run smoothly, to money market accounts that allow you to earn a higher rate of return on your money without putting it at risk.

Introducing Positive Pay, a fraud-prevention system offered to your business to protect against forged, altered, and counterfeit checks. 

Check tampering remains a threat to businesses despite the popularity of electronic payments. The counterfeiting of checks is on the rise due to sophistication in color copying and publishing. Positive Pay allows you to protect your business from fraud threats by check. 

How does it work?

  • Business Customer submits check issued report through business online banking. (List of check numbers, dollar amount and account number of each check)
  • Positive Pay verifies criteria when check is presented for payment.
  • If criteria is met, a check is paid. An exception is created if Positive Pay finds mismatched data. 
  • An exceptions report is sent to customer for pay/no pay decision. 

For more information on the product and associated costs, please contact ecommerce@fsbathens.com or call (903) 676-1900. 

415x276 Reigning Jewels

Custom Debit Cards - Reflect YOUR Style

Get a card that's as unique as you are.  We now offer a wide variety of custom designs that are local to our community.  From animals to landmarks, choose a design to customize your debit card and add a little fun to your wallet! 

329x214 Debit Card

Custom Debit Card Fees

Cost per customized card - $20

Expiring card - $20 to replace with custom image

Lost/stolen card - $20 to replace with custom image

Contact any branch to place your order.  Normal processing time applies - We can do instant issue for an additional $15. 

  Business CheckingMoney Market Checking**Tiered Money Market Checking
Minimum to Open$100$1,500$10,000
Minimum Balance$1,500$1,500$10,000
Monthly Service FeeSee Below (1)See Below (2)See Below (3)
InterestN/ASet PeriodicallySet Periodically***

FSB Debit Card

(Initial Card)

ATM Access

(FSB & Austin Bank at no cost)




Online Banking

(Free)

Free****

Bill Pay Service

(Free)

Free

StatementsFree E-Statements* Images Accessible OnlineFree Paper StatementFree Paper Statement

 (1): $10 service charge if balance falls below $1,500 at any time within the month.  $0.15 per check charge after first 25 checks if balance falls below $1,500.

 (2): $10 service charge if balance falls below $1,500 at any time within the month. Three withdrawals per month allowed at no charge; withdrawals in excess of three are charge $10.00 per withdrawal.

 (3): $10 service charge if balance falls below $10,000 at any time within the month. Three withdrawals per month allowed at no charge; withdrawals in excess of three are charge $10.00 per withdrawal.

 * Paper statement with images available for $3.00 per month.

 * All Business Accounts subject to Account Analysis

 ** Preauthorized third party transfers including ACH debits, transfers to cover overdrafts, and transfers by phone, telebank, or internet banking limited to six within a statement cycle.

 *** Interest Tiers: $0.01 to $25,000, $25,000.01 to $50,000.00, $50,000.01 or Greater

**** $15 Monthly plus $.55 per Debit/Credit for Cash Management Services

More Information

Overdraft Practices and Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. To learn more, click on the Read More tab.

Re-order Checks

When you need to order Personal or Business checks, turn to Deluxe Checks.

Lost or Stolen Card?

Click on the Read More tab to report your card lost or stolen or to inquire about a blocked debit card.

Switch to Us

Switching your accounts to First State Bank has never been easier. From sending your current bank an Account Closing Letter, updating your Automatic Payment Transfer and Payroll Direct Deposit, we have you covered! Any of our friendly Customer Service Representatives can assist you in completing the forms or answering any questions.

Re-order Checks

When you need to order Personal or Business checks, turn to Deluxe Checks.

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