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Checking Accounts

Choose an Account that Fits Your Life’s Needs

Your checking account should be as unique as you are. Forget about cookie cutter accounts, our checking accounts are catered to how you manage your money. Combined with our checking account benefits and our other personal banking services, you can create a customized financial toolbox that fits you!

Checking Account Benefits

All of our checking accounts come with the following tools to give your personal financial management a boost:

Account Options

Basic Checking

Who it’s for: Anyone who needs a simple checking account that comes with all the necessary tools and none of the balance requirements of complex accounts.

Features to shout about:

  • Open with $50; avoid $5.00 fee per statement cycle by keeping minimum balance above $0.
  • Unlimited check writing
  • ATM/debit card
  • Fees to know:
    • $10.00 annual debit card fee
    • $1.00 for each ATM withdrawal over monthly limit of four (4)

Classic Checking

Who it’s for: Customers who can keep a higher minimum balance and want to earn interest on their account balance.

Features to shout about:

  • Interest-bearing account
  • Unlimited ATM withdrawals
  • $300 minimum balance
  • Open with $300
  • Unlimited check writing
  • ATM/debit card
  • Fees to know:
    • $4.00 per statement cycle if minimum balance of $300 is not maintained
    • $5.00 annual debit card fee

Preferred Checking

Who it’s for: Those seeking a premium checking account who carry higher account balances and want select additional benefits.

Features to shout about:

  • Interest-bearing account
  • Free Preferred Account checks or $5 discount on other check designs
  • Preferred CD and Money Market rates
  • Unlimited ATM withdrawals
  • Imaged checks and statements mailed at no charge or Free eStatements
  • ATM/debit card available
  • No annual ATM/debit card fee
  • $1,000 average daily balance
  • Open with $1,000
  • Unlimited check writing
  • Fees to know:
    • $5.00 per monthly statement cycle if average daily balance is not met. This fee is waived if you have $10,000 or more combined balance in any other personal deposit accounts.

Stop by any Farmers State Bank office today to open your checking account with us.

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