Personal Checking Accounts

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.

Features:

• 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.
⁷Plus applicable sales tax.

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.

Features:

• 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.

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.

Features:

• Minimum Opening Deposit $100
• $10,000 average daily balance of combined consumer deposits, consumer loans and/or agricultural loans
• Variable Rate Interest
  • See current rates
• 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.

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.

Features:

• 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.