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Personal Checking
Online Account Opening

 

Button Interest Checking

Secure Checking

Button High Five

High 5 Rewards

Button Benefit Banking

Benefit Banking Plus

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Compare Accounts

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Secure Checking

High Five Rewards

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

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High 5 Rewards

Interest Checking

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!

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Benefit Banking Plus

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.

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All our personal checking accounts offer:

  • Free Instant Issue Debit Cards
  • Online Banking with Bill Pay
  • Free Mobile Banking*
  • Mobile Wallet* (Apple Pay®, SamsungPay®, GooglePay™)
  • Free eAlerts (email or text*) for Telebanking, eStatements and Visa® purchases
  • eStatements

*Message and data rates may apply.

 

Which checking account is right for you?

Review and compare the specific features for each checking account and decide which one fits your needs.

Account FeaturesSecure Checking1High 5 RewardsBenefit Banking Plus
Minimum Opening Deposit $50   $50  $100
 Interest   N/A N/A  Variable Rate3
See current rates.
ATM Transaction Fees at
non-FSB Terminals
 6 free per statement cycle, then $1.50/withdrawal 4 free per statement cycle, then $2/withdrawal  Free 
Other Special Features Available
  • 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
  • And More! 

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) 
  • 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
 
Minimum Balance Required (to avoid monthly maintenance fee) None  None  $10,000 average daily balance of combined consumer deposits, consumer loans and/or agricultural loans 
Monthly Maintenance Fee7 $4.95/month  None  $15/month (if above balance not maintained) 
Transaction Fees

None

None 

 None

 

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eClub Benefits

Registration Guide

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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

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.

 

 

“I was a child when I opened my first account at FSB because that’s where Mom and Dad banked. I’m still here because FSB just ‘gets me’ and I love that personal connection.”

Chelsey Meier-Oberreuter
Vice President, iGYM
Co-Owner, The M.A.C.

 

 

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