Business Checking

Bank services that meet your business goals.

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.

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

ATM Access

(FSB & Austin Bank at no cost)




Online Banking

(Free)

Monthly Fee of $7.50 & $0.50 per ACH item

Bill Pay Service

(Free)

$0.50 per item

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

 (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

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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