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Personal Checking

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

All our personal checking accounts offer:

*Message and data rates may apply.

Which checking account is right for you?

SECURE CHECKING1

This account has all the online features you expect PLUS it is loaded with valuable benefits. Check out the details in the chart below.

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 eClub Benefits Registration Guide

HIGH 5 REWARDS

This low-cost account allows you to earn cash back every month, has no minimum balance requirements or monthly maintenance fees. More details in the chart below!

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 Fee7 
  • No Transaction Fees

Apply Now

BENEFIT BANKING PLUS

For those who keep a higher balance, want to earn interest, and enjoy the perks of relationship banking, this account is for you. Learn more in the chart below.

Minimum Opening Deposit $100
$10,000 average daily balance of combined consumer deposits, consumer loans and/or agricultural loans

  • Variable Rate Interest3 See current rates
  • Free ATM Transaction Fees
  • Free Money Orders/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 Now

STUDENT CHECKING

A smart account with plenty of perks designed for those age 13 through 23. Low-cost, free person-to-person payments with Zelle®, and more! Call or stop in to open.

Offered to individuals 13-23 years old.
Minimum Opening Deposit $50

  • 3 free ATM Transaction Fees at non-FSB Terminals per statement cycle, then $1.50 per withdrawal
  • 8 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 Fee7 
  • No Transaction Fees

Contact Us

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.
6
The 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.
7
Plus applicable sales tax
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.

ApplePay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a trademark of Google LLC.


Insurance products (such as Cell Phone Protection coverage) are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

You're Invited! FSB's Annual Customer Appreciation Picnic is Sunday, August 14, from 12 - 2:30 p.m. at Veteran's Memorial Stadium. See you then! 

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