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 Smart Checking Secure Checking Regular NOW Checking Classic Plus Checking
Open a Checking Account Open a Smart Checking Open a Secure Checking Open a Regular NOW Checking Open a Classic Checking
Minimum Deposit to Open Account $100 $100 $100 $100
**Required Average Daily Balance to avoid service charge      $500 $1,000 or $5,000 in all deposit accounts
Interest Bearing    
Free Checks      
ID Protect®      
Debit Card
Account Requirement Direct Deposit or eStatements None None 50 years of age or older
*Inactivity Fee $5.00 $5.00    
Fees and/or Service Charges $3.00 per month if account requirement not met $5.00 per month  **$5.00 per month if balance requirement not met **$7.50 per month if balance requirement not met
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*Inactivity Fee: A monthly fee of $5.00 will be charged each statement cycle in which the account is inactive. Inactive is described as having no deposits or withdrawals for 6 months.

Smart Checking

  • $100 minimum deposit to open account
  • No minimum balance required
  • Account Requirement
    • Direct Deposit
    • or
    • eStatements
  • If Account Requirement is not met, there is a $3.00 monthly fee
  • Debit Card
  • Online Banking
  • Mobile Banking
  • eStatements
  • Bill Pay (Fee of $5.00 per month applies if not enrolled in eStatements)

Apply for a Smart Checking account

Secure Checking

  • $100 minimum deposit to open account
  • No minimum balance required
  • ID Protect® - Identity Theft Protection Service
  • Monthly fee of $5.00
  • Debit Card
  • Direct Deposit
  • Online Banking
  • Mobile Banking
  • eStatements
  • Bill Pay (Fee of $5.00 per month applies if not enrolled in eStatements)

Apply for a Secure Checking 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
  • eStatements
  • Bill Pay (Fee of $5.00 per month applies if not enrolled in eStatements)

Apply for a Regular NOW Checking account

Classic Checking

  • Customers 50 years of age or better
  • $100 minimum deposit to open account
  • Free Classic 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 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
  • eStatements
  • Bill Pay (Fee of $5.00 per month applies if not enrolled in eStatements)

Apply for a Classic Checking 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

 

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