Online Banking

Log In

Error, press "Log In" to continue.

Log In

Error, press "Log In" to continue.

Personal Checking Accounts

Online Applications Available

Secure Checking | High 5 RewardsBenefits Banking PlusStudent CheckingLost or Stolen Credit Card | Apply Online

Open a Checking Account Online with FSB

Managing your finances can be challenging, that's why we offer a suite of personal checking accounts to help you. From our student checking account that offers free ATM transactions, to benefit banking plus that offers high interest checking benefits, we offer an account for every stage of your life. Apply for a checking account online today!

Apply Online

All our personal checking accounts offer:

*Message and data rates may apply.

Which checking account is right for you?

Secure Checking

For Individuals Looking for Enhanced Checking Account Benefits

Looking for an account that combines the convenience of online banking with valuable benefits? Look no further than our Secure Checking1 account. This account offers all the features you expect from an online account, plus exclusive benefits that add extra value.


  • Minimum Opening Deposit $50
  • 6 free ATM Transaction Fees at non-FSB Terminals per statement cycle, then $1.50 per withdrawal
  • Cell Phone Protection2 up to $400 for replacement or repair costs
  • IDProtect®:
    • Identity Theft Monitoring & Resolution Service3
    • Credit File Monitoring4
    • Credit Report and Credit Score5 - access every 90 days
    • Up to $10,000 Identity Theft Expense Reimbursement Coverage2
    • Access to a Fraud Resolution Specialist
  • No Minimum Balance Required (to avoid monthly maintenance fee)
  • Monthly Maintenance Fee7 is $4.95 per month 
  • No Transaction Fees

Apply Online eClub Benefits Registration Guide

1Some benefits require registration and activation. For complete details of this checking account, speak with a Farmers State Bank representative.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document.
3Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
4Credit file monitoring may take several days to begin following activation.
5Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
Plus applicable sales tax.

High 5 Rewards

For Individuals Looking for No Minimum Balance or Maintenance Fee

Looking for a rewards checking account that won't cost you anything? Our High 5 Checking account lets you earn cash back every month and has no minimum balance requirements or monthly maintenance fees.


  • Minimum Opening Deposit $50
  • 4 free ATM Transaction Fees at non-FSB Terminals per statement cycle, then $2 per withdrawal
  • Earn a $5 reward each month when you meet the following minimum requirements:
    • Receive eStatements
    • Make a minimum of 15 signature-based debit card transactions in the amount of $10 or more6 (excluding PIN-based and ATM transactions)
  • No Minimum Balance Required (to avoid monthly maintenance fee)
  • No Monthly Maintenance Fee
  • No Transaction Fees

Apply Online

6The debit card transactions described above must post to and clear the account on or before the last business day of the month. Each month the requirements are met, $5 will be credited to your account on the last business day of the month.

Benefit Banking Plus

For Individuals Looking to Earn Interest and Benefit from High-Balance Perks

If you maintain a higher balance and desire to earn interest on your checking account while also receiving the benefits of relationship banking, this checking account is the perfect fit.


  • Minimum Opening Deposit $100
  • $10,000 average daily balance of combined consumer deposits, consumer loans and/or agricultural loans
  • Variable Rate Interest
  • Free ATM Transaction Fees
  • Free Cashier’s Checks (up to 5 per month)
  • Rent-free 3x5 Safe Deposit Box or equivalent discount on a larger size (not FDIC insured; key deposit required)
  • 30% discount on printed checks
  • Monthly Maintenance Fee7 $15/month (if above balance not maintained)
  • No Transaction Fees

Apply Online

7Plus applicable sales tax.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Student Checking

For Individuals Aged 13 - 23 Looking for Hassle-Free Checking with Benefits

Our student checking8 account is packed with exclusive benefits designed for young adults aged 13 through 23. With free ATM transactions and person-to-person payments through Zelle®9, this account is perfect for students who want to manage their finances while planning for their future. Whether your student is staying local or heading to college, we've got them covered.


  • Minimum Opening Deposit $50
  • 3 free ATM Transaction Fees at non-FSB Terminals per statement cycle, then $1.50 per withdrawal
  • Reimbursement of ATM surcharges incurred at non-FSB owned ATMs up to $10 per statement cycle.
  • No Minimum Balance Required (to avoid monthly maintenance fee)
  • No Monthly Maintenance Fee
  • No Transaction Fees

Online account opening is not available for this account - please stop into any FSB Branch to get started!

Contact FSB

8When the primary account holder reaches age 24, this account will be converted to a comparable checking account. A parent or guardian must be a co-owner on the account for teens under 18 years of age.
9Recipient/payer must be enrolled in Zelle to utilize services and subject to Zelle® Terms and Conditions. Zelle® is a registered trademark of Early Warning Services, LLC.

Financial Resource Center

The Financial Resource Center is a comprehensive list of educational articles and videos that provides access to valuable advice from FSB's financial experts. Whether you need help managing debt, investing for the future, or want to use one of our financial calculators, we offer resources to help you achieve your financial goals.

Take me to the Financial Resource Center

Expand toolbar

Back to Top