Personal Checking

Your checking account is your workhorse. It’s how you pay most of your bills, make everyday purchases, and keep funds readily available. It’s the money that’s close at hand when you need it. Browse the account information then stop by our office to open your account.

Personal Checking Accounts
 Free CheckingInterest Bearing CheckingIn Town Club CheckingHSA Checking
(Health Savings Account)

This account is for you…

Basic, no frills checking account Designed for customers who wish to earn interest, and keep a moderate account balance. For customers who value a banking relationship. If you are using an HSA compatible healthcare plan and need to manage your HSA money.
Usage Guidelines
(Transactions and minimum balance requirement.)
No Minimum Balance Required Unlimited items. No Minimum Balance Required Unlimited items. $1000 Minimum Average Monthly Balance Or Automatic Payment to /from account No Minimum Balance Required Unlimited items.
Monthly Maintenance Charge None None $10*
*If usage guidelines are not met.
Transaction Limit N/A N/A N/A N/A
Free Checks N/A N/A YES YES
Interest N/A Tiered Tiered** Tiered**
Debit card/ATM card YES YES YES YES
Online Banking YES YES YES YES
Check Images  YES YES YES YES
eStatements YES YES YES YES
Other Features     .15% Bonus Rate on our Standard Certificate of Deposit Rates
Annual Discount for Safe Deposit Box
Reduced Mortgage Closing Cost

** Interest
Interest is accrued on daily collected balances and paid monthly. Interest rates depend on the account balance.
Please contact your 1st State Bank office for current rate information. For more information, visit any of our Banking Offices or please Contact Us.