Find the Right Fit in Under a Minute
Answer a few quick questions to find the FSB account that best fits your needs. You'll get personalized results with options to apply online.
Based on Your Answers, We Suggest: Rewards Checking
Put your checking balance to work with high-yield interest & simple monthly activity.
Account Details:
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Minimum Opening Deposit: $1,000
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5 free ATM withdrawals at non-FSB Terminals per statement cycle, then $2 per withdrawal
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Tiered interest rate tied to the Deposit Rate Index:
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Balances $0 to $20,000 earn at 3.50%
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Balances $20,001 & over earn at 0.15%
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Requirements to Qualify Each Statement Cycle:
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Direct deposit to your FSB checking account
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eStatements enrollment
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Minimum of 15 debit card transactions for $20 or more (excludes ATM transactions)
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Minimum balance to avoid fees: $1,000
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Monthly fee1 if below $1,000 minimum: $5
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Up to $10 reimbursement2 per statement cycle for ATM fees at non-FSB ATMs
1Plus applicable sales tax.
2This account will reimburse ATM surcharges incurred at Non-Farmers State Bank ATMs up to $10.00 per statement cycle.
2This account will reimburse ATM surcharges incurred at Non-Farmers State Bank ATMs up to $10.00 per statement cycle.
APY=Annual Percentage Yield
This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest on your account will accrue no later than the business day we receive credit for non-cash items (for example, checks) deposited into your account. If you close your account before interest is credited, you will receive the accrued interest. Interest will be compounded monthly and will be credited to the account monthly. See the Rate Chart for current rates and annual percentage yields.
A premium interest rate will apply to this account if the minimum requirements are met.
FSB is not responsible for typographical errors or omissions.
Based on Your Answers, We Suggest: Secure Checking
Open with $25 and get secure banking with added perks1—all for just $6/month.6 ($5 if enrolled in eStatements)
Account Details:
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Minimum Opening Deposit: $25
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6 free ATM withdrawals at non-FSB Terminals per statement cycle, then $2 per withdrawal
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Cell Phone Protection2 up to $400 for replacement or repair costs
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IDProtect®:
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Identity Theft Monitoring & Resolution Service3
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Credit File Monitoring4
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Up to $10,000 Identity Theft Expense Reimbursement Coverage2
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Access to a Fraud Resolution Specialist
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No Minimum Balance Required (to avoid monthly maintenance fee)
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$6 monthly fee6 ($5 if enrolled in eStatements)
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No Transaction Fees7
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.
6Plus applicable sales tax.
7ATM fees apply after free transactions are used. ATM owners may charge fees.
FSB is not responsible for typographical errors or omissions.
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.
6Plus applicable sales tax.
7ATM fees apply after free transactions are used. ATM owners may charge fees.
FSB is not responsible for typographical errors or omissions.
Based on Your Answers, We Suggest: Prime Checking
Open with $25 and get rewarded for everyday banking with no monthly fees.
Account Details:
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Minimum Opening Deposit: $25
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5 free ATM withdrawals at non-FSB Terminals per statement cycle, then $2 per withdrawal
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Earn a $7 reward each month when you meet the following minimum requirements:
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Direct deposit to your FSB checking account
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eStatements enrollment (Learn how to enroll in eStatements)
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Make 25 signature-based debit card transactions for $20 or more1 (excluding PIN-based and ATM transactions)
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No Minimum Balance Required (to avoid monthly maintenance fee)
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No Monthly Maintenance Fee
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No Transaction Fees2
1The 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, $7 will be credited to your account on the last business day of the month.
2ATM fees apply after free transactions are used. ATM owners may charge fees.
FSB is not responsible for typographical errors or omissions.
2ATM fees apply after free transactions are used. ATM owners may charge fees.
FSB is not responsible for typographical errors or omissions.
Based on Your Answers, We Suggest: Benefits Checking
Open with $100 and enjoy the exclusive perks of FSB's premium account.
Account Details:
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Minimum Opening Deposit: $100
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$20,000 average daily balance of combined consumer deposits, consumer loans, and/or agricultural loans
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Variable Rate Interest (See current rates)
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Free ATM withdrawals1
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5 free cashier's checks per month
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Free 3x5 safe deposit box5 or the same discount on a larger size
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25% discount on printed checks
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Monthly fee if below minimum:6 $20 per month
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Cell Phone Protection2 up to $400 for replacement or repair costs
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IDProtect®:
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Identity Theft Monitoring & Resolution Service3
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Credit File Monitoring4
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Up to $10,000 Identity Theft Expense Reimbursement Coverage2
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Access to a Fraud Resolution Specialist
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No Transaction Fees
1ATM owner may charge fee. These are not subject to reimbursement by FSB.
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.
53x5 Safe Deposit Box or equivalent discount on a larger size (not FDIC insured; key deposit required)
6If monthly balance is not met. Plus applicable sales tax.
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.
53x5 Safe Deposit Box or equivalent discount on a larger size (not FDIC insured; key deposit required)
6If monthly balance is not met. Plus applicable sales tax.
†All rates are subject to change without notice. Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields. FSB is not responsible for typographical errors or omissions.
This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. All rates are subject to change without notice. Interest on your account will accrue no later than the business day we receive credit for non-cash items (for example, checks) deposited into your account. If you close your account before interest is credited, you will receive the accrued interest. Interest will be compounded monthly and will be credited to the account monthly. See the Rate Chart for current rates and annual percentage yields.
Based on Your Answers, We Suggest: Student Checking1
Start banking with $25—perfect for students staying local or heading to college.
Account Details:
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Minimum opening deposit: $25
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No minimum balance required
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3 free non-FSB ATM withdrawals per statement cycle, then $2 per withdrawal
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$10 reimbursement of ATM fees incurred at non-FSB owned ATMs per statement cycle
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No monthly maintenance fee
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No transaction fees
Online account opening is not available - please stop by any FSB Branch to get started!
1When 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.
Based on Your Answers, We Suggest: Regular Savings
Begin saving with a basic savings account and enjoy no fees.5
Account Details:
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Minimum Opening Deposit: $50
- Minimum Daily Balance to Avoid Fees: $1005
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Monthly Maintenance Fee: $33
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- Minimum Balance Required to Earn Interest: $100
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$0.50 fee per withdrawal if you make more than 6 per month and your average daily balance is below $2,500
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Overdraft protection when linked with an FSB checking account
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Receive your account statements electronically with eStatements
3Plus applicable sales tax.
5If your daily balance falls below $100 at any point during the month, a $3 monthly maintenance fee will be charged to your account.
Based on Your Answers, We Suggest: Money Market
Grow your money with flexible access & competitive rates.
Account Details:
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Minimum Opening Deposit: $1,000
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Minimum Daily Balance to Avoid Monthly Maintenance Fees: $1,0006
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Monthly Maintenance Fee: $63
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Allows 6 transfers per statement cycle, including checks
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Unlimited in-person withdrawals
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Unlimited ATM transactions
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Overdraft protection when linked with an FSB checking account
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Receive your account statements electronically with eStatements
3Plus applicable sales tax.
6If your daily balance falls below $1,000 at any point during the month, a $6 monthly maintenance fee will be charged to your account.
Based on Your Answers, We Suggest: Ultimate Account
Enjoy the flexibility of a savings account with higher rates.
Account Details:
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Minimum opening deposit: $10,000
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Unlimited deposits after account opening
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Tiered interest (See current rates)
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Interest compounds OR can be transferred quarterly4
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No maturity date
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Early withdrawal penalty: $50.00 or 7 days interest, whichever is greater
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One fee-free withdrawal within the first 5 business days of each month
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No monthly maintenance fee
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Receive your account statements electronically with eStatements
Online account opening is not available - please stop by any FSB Branch to get started!
4Must transfer to an FSB checking account.
Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
Based on Your Answers, We Suggest: FSBee Club Savings1
Start your child’s savings with fun events and exclusive prizes.
Account Details:
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Minimum opening deposit: $5
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Account opening bonus: $25
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No minimum balance required to earn interest
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No fees, including no monthly maintenance fee and no service fees
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Quarterly newsletters, birthday gifts, exclusive events, and special access to prizes from Ca$h the Bee
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Receive your account statements electronically with eStatements
Parent Benefits:
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Online transfers between FSB accounts
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Convenient online eStatements
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Joint ownership
Online account opening is not available - please stop by any FSB Branch to get started!
1This account is restricted to the minor accountholder being age 12 or under. When the minor accountholder reaches age 13, this account will be converted to a Youth Savings (or other comparable) account.
Based on Your Answers, We Suggest: Youth Savings2
Help your teen build a solid foundation & earn interest.
Account Details:
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Available for ages 13–23
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Minimum Opening Deposit: $5
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No minimum balance required to earn interest
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No monthly maintenance fees
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Receive your account statements electronically with eStatements
Online account opening is not available - please stop by any FSB Branch to get started!
2This account is restricted to the primary accountholder being age 23 or under. When the Primary Accountholder reaches age 24, this account will be converted to a Regular Savings (or other comparable) account.
Based on Your Answers, We Suggest: Certificate of Deposit
Grow your money with guaranteed returns & flexible terms.
Account Details:
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Minimum opening deposit: $1,000
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Terms from 1 to 60 months
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Interest is compounded and paid quarterly
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Automatic renewals (excluding CD specials)
See FSB Rates for full list of CD offerings.
Based on Your Answers, We Suggest: Community Checking
For qualified community organizations looking for additional benefits.
Account Details:
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Minimum Opening Deposit: $100
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Minimum Daily Balance: None
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Monthly Maintenance Fee: None
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Transaction Fees: 300 transactions free, then $0.25/item1
1Plus applicable sales tax.
Based on Your Answers, We Suggest: Basic Business Checking
Ideal for businesses with under 100 monthly transactions.
Account Details:
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Minimum Opening Deposit: $100
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Minimum Daily Balance to Avoid Monthly Maintenance Fees: $500
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Monthly Maintenance Fee if not met: $81
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Transaction Fees: 100 transactions free, then $0.25/item1
1Plus applicable sales tax.
Based on Your Answers, We Suggest: Business Checking
Ideal for businesses with 100-200 monthly transactions.
Account Details:
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Minimum Opening Deposit: $100
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Minimum Daily Balance to Avoid Maintenance Fees: $2,500
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Monthly Maintenance Fee if not met: $81
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Transaction Fees: 200 transactions free, then $0.25/item1
1Plus applicable sales tax.
Based on Your Answers, We Suggest: Business Checking Plus
Ideal for sole proprietors or non-profits looking to earn interest.
Account Details:
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Minimum Opening Deposit: $100
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Variable Interest Rate (See current rates)
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Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
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Monthly Maintenance Fee if not met: $81
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Transaction Fees: 200 transactions free, then $0.25/item1
1Plus applicable sales tax.
Based on Your Answers, We Suggest: Commercial Checking
Ideal for businesses with 200+ monthly transactions.
Account Details:
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Minimum Opening Deposit: $100
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Minimum Daily Balance: None
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Monthly Maintenance Fee: $10; included in analysis1
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Transaction Fees: No free transactions1, subject to analysis and deposit fees2
1Plus applicable sales tax.
2Commercial Checking accounts are subject to analysis fees and deposit fees. This account includes an Earnings Credit to offset service and transaction fees. See an FSB Banker for more information.
Based on Your Answers, We Suggest: Business Money Market
A flexible business account with higher rates & easy fund access.
Account Details:
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Rates as high as 1.75% APY† - See all rates
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Minimum Opening Deposit: $1,000
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No Fees: Avoid the $6 monthly maintenance fee6 by maintaining a $1,000 balance
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Withdrawal & Transfer Options: Enjoy unlimited in-person withdrawals, transfers, and ATM transactions; includes up to 6 checks per month
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Online Account Management: Make transfers, check your account balance, and more with FSB’s Business Online Banking
†All rates are subject to change without notice. Interest-bearing account – refer to the FSB rate sheet for information on Interest Rates and Annual Percentage Yields. FSB is not responsible for typographical errors or omissions. APY = Annual Percentage Yield
6If your daily balance falls below $1,000 at any point during the month, a $6 monthly maintenance fee will be charged to your account.
Based on Your Answers, We Suggest: Regular Business Savings
A simple account for small to mid-size businesses starting to save.
Account Details:
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Minimum Opening Deposit: $50
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Minimum Daily Balance to Avoid Monthly Maintenance Fees: $100
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Monthly Maintenance Fee: $31
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Transaction Fees: 6 free withdrawals, then $0.50/withdrawal if your minimum daily balance is less than $2,5001
1Plus applicable sales tax.
Based on Your Answers, We Suggest: Business Ultimate Account
A flexible business account with higher rates & easy fund access.
Account Details:
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Minimum opening deposit: $10,000
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Unlimited deposits after account opening
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Tiered interest (See rates)
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Interest compounds OR can be transferred quarterly2
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No maturity date
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Early withdrawal penalty: $50.00 or 7 days interest, whichever is greater
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One fee-free withdrawal within the first 5 business days of each month
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No monthly maintenance fee
2Must transfer to an FSB checking account.
Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
Based on Your Answers, We Suggest: Business Certificate of Deposit
Grow your money with guaranteed returns & flexible terms.
Account Details:
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Minimum opening deposit: $1,000
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Flexible Terms: Available from 1 to 60 months
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Quarterly Interest: Earn interest that compounds and pays out every quarter
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Automatic renewals (excluding CD specials)
See FSB Rates for full list of CD offerings.
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