Our goal is helping you succeed! Business owners keep our community growing, which is why we have designed checking accounts to make things easier for you. 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.
|Business Checking||Money Market Checking**||Tiered Money Market Checking|
|Minimum to Open||$100||$1,500||$10,000|
|Monthly Service Fee||See Below (1)||See Below (2)||See Below (3)|
|Interest||N/A||Set Periodically||Set Periodically***|
|FSB Debit Card|
(FSB & Austin Bank at no cost)
|Monthly Fee of $7.50 & $0.50 per ACH item|
Bill Pay Service
|$0.50 per item|
|Statements||Free E-Statements* Images Accessible Online||Free Paper Statement||Free Paper Statement|
|Other Services Included||Overdraft Privileges $1,000|
(1): $8 service charge if balance falls below $1,000 at any time within the month. $0.15 per check charge after first 25 checks if balance falls below $1,000.
(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 $2.00 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
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.
When you need to order Personal or Business checks, turn to Deluxe Checks.
Click on the Read More tab to report your card lost or stolen or to inquire about a blocked debit card.
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.