Personal Checking

Checking accounts designed with you in mind.


Whether you have limited banking needs, searching for an account with additional privileges and discounts or simply appreciate the familiarity of the regular checking account, our customer service representatives can identify the features that matter the most to you.

New Teacher Promotion

Athens, Malakoff, Cross Roads and Trinidad ISD teachers and staff can open a new checking account and receive $50 cash.  The account comes with free personal online banking, bill pay and debit card. You will get a $50 cash bonus once you receive a direct deposit of $500 or complete at least 10 debit card purchases with the debit card linked to your new account.  The bonus will be deposited into your checking account within 32 days of qualifications being met. 

Some restrictions apply: See customer service representatives for details.


E-Statements give you fast, safe access to your statements including images of checks you've written and you can view, print or save them anytime you like. The many benefits of E-Statements can be yours in a few simple steps. 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.




Personal Checking


 FREE with
E Checking
Key Account

Open Now

Minimum to open$50$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

 ** Paper Statements without images available for $3 per month.

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