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
Minimum Deposit to Open Account $100 $100 $100 $100
Balance Requirement     $500 $1,000 or $5,000 combined
Interest Bearing    
Free Checks      
ID Protect®      
Debit Card
Fees (Monthly) $3.00 (if no direct deposit or eStatements) $5.00 $5.00 (if balance requirement not met) $7.50 (if balance requirement not met)
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Smart Checking

  • $100 minimum deposit to open account
  • No minimum balance required
  • Account Requirement
    • Direct Deposit
    • or
    • eStatements
  • Monthly fee of $3.00 if account requirement not met
  • 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
  • ID Protect® - Identity Theft Protection Service
    • Fully Managed Recovery
    • Identity Theft Expense Reimbursement
    • Monitoring (separate registration/activation required)
    • Debit & Credit Card Registration (separate registration/activation required)
    • Educational Resources/News Center (separate registration/activation required)
    • Additional Information and Disclosures about ID Protect®
  • No minimum balance required
  • 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 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
  • eStatements
  • Bill Pay (Fee of $5.00 per month applies if not enrolled in eStatements)

Apply for a Classic Plus 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