Which Checking Account Is Right For You?
See Comparison Chart
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.
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.
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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.
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.
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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.
Features:
- 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.
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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.
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.
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Compare the Specific Features For Each Checking Account
Account Features | Secure Checking1 | High 5 Rewards |
Benefit Banking Plus
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Student checking
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Minimum Opening Deposit |
$50 |
$50 |
$100 |
$50 |
Interest |
N/A |
N/A |
Variable Rate3 See current rates.
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N/A |
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 |
3 free per statement cycle, then $1.50/withdrawal |
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!
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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)
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- 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
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Offered to individuals 13-23 years old.8 Reimbursement of ATM surcharges incurred at non-FSB owned ATMs up to $10 per statement cycle. |
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 |
None |
Monthly Maintenance Fee7 |
$4.95/month |
None |
$15/month (if above balance not maintained) |
None |
Transaction Fees |
None
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None |
None
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None
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Apply Now
eClub Benefits Registration Guide
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Apply Now |
Apply Now
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Contact Us
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Open a Checking Account Online or Visit Us Locally!
Serving Communities in Iowa: Cedar Rapids, Marion, Tiffin, Hiawatha, Alburnett & Beyond
Remember, FSB has designed accounts to suit every stage of life, with benefits ranging from free ATM transactions for students to high-interest features for other accounts. With online applications, instant-issue debit cards, and comprehensive online and mobile banking services, managing your finances has never been easier.
Need Help Deciding Which Account Is Right For You?
Let FSB help determine which checking account aligns with your financial goals and lifestyle. Start banking smarter today!
Get a Bankers Assistance
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. 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. 7Plus 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.
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