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.
| Free Checking | Interest Bearing Checking | In Town Club Checking | HSA 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. |
| Minimum to Open | $50 | $50 | $50 | N/A |
| Monthly Maintenance Charge | None | None | $10* *If usage guidelines are not met. |
None |
| 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 | .025% 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.
