Personal Checking

Checking accounts designed with you in mind.


At First State Bank, our communities and the families and businesses within them are what have mattered most to us for decades. We understand that with changing times, comes unique needs that need to be met. We offer a wide range of checking accounts to meet those needs, along with additional services that make managing your banking information easier. 




Transitioning to electronic statements with online banking can improve and ultimately replace your paper statements (which eliminates paper waste), with the added benefits of higher security and more convenience.  

Electronic statements, or E-Statements, offer our customers multiple benefits:

  •  Immediate availability
  • Convenient access
  • Increased Security
  • Eco-friendly
  • Reduced clutter
  • Simple sign-up

Enroll today and discover all the advantages of e-statements. Simply log in to Online Banking, Click on E-Statements, Select the accounts you want to include, Verify email address where notification will be sent, Read and sign the Electronic Statement Disclosure, Check box next to terms and conditions, enter the confirmation code & Accept.

First State Bank Rewards Program

A FREE program that rewards you for using your debit card.  Consider it our little "Thank You" for being a loyal customer.  It's easy!  We'll give you points for simply using your First State Bank Debit Card to purchase merchandise or services.  Then, redeem your points and receive great gifts and merchandise.




Molly & Mike With Come And Take It


 FREE with
E Checking
Key Account



Minimum to open$100$100$100
Minimum BalanceNo Minimum$1,000No Minimum
Monthly Service FeeNoneSee Below (1)See Below (2)

FSB Debit Card

(Initial Card)

ATM Access
(FSB & Austin Bank at no cost)

Online Banking


Bill Pay Service


StatementsFree E-Statements
Images Accessible Online**
Free Paper Statement 
Images Provided
Free Paper Statement 
Images Provided
Other Services Included  
  • 3 Free Cashier Checks per month  
  • Accidental Death Insurance
  • Free Key Account Checks
  • Safe Deposit Box Discounts 
  • Travel Book Discounts

 (1): $8 service charge if balance falls below $1,000 at any time within the month.  The $8.00 service charge is waived on senior accounts on the month following notification by the customer to the bank that they have reached the age of 62 years or older.

 (2): $8 Basic Plan Coverage ($10,000 Coverage)*, $10 Family Plan Coverage ($30,000 Coverage)*

 *Accidental Death Insurance not FDIC insured, not a deposit, not guaranteed by the bank, not insured by any federal government agency. 

 ** Paper Statements without images available for $4.00 per month.

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