Balanced checkbook with calculator

Personal Checking

Are you looking for a checking account that fits your needs and has convenient services such as Online Banking and Mobile Banking?

Farmers State Bank offers a variety of accounts that are flexible and secure. Find the checking account that is right for you.

Personal Checking Options Table
Options Free Checking Winner Club Checking Classic Plus Checking Regular NOW Checking
Minimum Deposit to Open Account $100 $100 $100 $100
Balance Requirement     $1,000 or $5,000 combined $500
Interest Bearing  
Free Checks    
Debit Card
Fees (Monthly) $0 Individual $8 or $4 (62+)
Family $10 or $6 (62+)
$7.50 (if balance requirement not met) $5.00 (if balance requirement not met)
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Free Checking

  • $100 minimum deposit to open account
  • No minimum balance required
  • No monthly service fees
  • Debit Card
  • Direct Deposit
  • Online Banking
  • Mobile Banking
  • Bill Pay and eStatements

Apply for a Free Checking account

Winner Club Checking

  • $100 minimum deposit to open account
  • No minimum balance required
  • Free Winner Club checks - wallet style
  • Debit Card
  • Interest bearing checking account if daily balance of $500.00 or more - see Deposit Rates
  • $10,000 Accidental Death Insurance
  • Membership $8.00 per month for individuals or $10.00 per month for families
  • Senior Membership (62 and older) $4.00 per month for individuals or $6.00 per month for families
  • Direct Deposit
  • Online Banking
  • Mobile Banking
  • Bill Pay and eStatements

Apply for a Winner Club account

Classic Plus Checking

  • Customers 50 years of age or better
  • $100 minimum deposit to open account
  • Free Classic Plus checks - wallet style
  • Debit Card
  • Included Services
    • Photocopies (limited to 15 per month)
    • Checkbook balancing
    • Stop payment orders
    • Personal money orders (limited to 6 per month)
  • Interest-bearing account - see Deposit Rates
  • Balance Requirement
    • Average balance of $1,000.00 or more in your Classic Plus Checking
    Or
    • Average balance of $5,000.00 in any combination of Farmers State Bank deposit accounts
  • Monthly fee of $7.50 if balance requirement not met
  • Direct Deposit
  • Online Banking
  • Mobile Banking
  • Bill Pay & eStatements

Apply for a Classic Plus account

Regular NOW Checking

  • $100 minimum deposit to open account
  • Debit Card
  • Interest-bearing account - see Deposit Rates
  • Balance Requirement
    • Average balance of $500.00
  • Monthly fee of $5.00 if balance requirement not met
  • Direct Deposit
  • Mobile Banking
  • Bill Pay and eStatements

Apply for a Regular NOW account

Contact Us

Contact one of our Personal Bankers today to learn more about our accounts and set up an appointment to open a new account. Personal Bankers