Welcome, Guest to Farmers State Bank

Personal Checking

Let us help you find the checking account that suits your life!


All of FSB's Personal Checking Accounts include:

  • Free Instant Issue Debit Card
  • Free Online Banking
  • Online Bill Pay Available1
  • Free Mobile Banking2
  • Free eAlerts
  • Free Telebanking
  • Free eStatements
  • FSB Visa® Credit Card Available3
  • No Annual Fee for Visa® Debit Card 
  • Unlimited ATM Transactions at FSB Owned ATMs

Benefit Banking Plus Accounts also include:

  • Free Money Orders or Cashier's Checks (up to 5 per month)
  • Rent-Free 3x5 Safe Deposit Box, or equivalent discount on a larger box (key deposit required)
  • 30% Discount on Printed Checks

Referral Rewards for you and your friends4:

  • When you refer a friend to FSB, and they open a checking account with one of the required convenience services, you'll each earn $50!
  • Call 377-4891, apply online or click here to download the referral card and bring it in to your nearest FSB branch!

Checking Account Comparison

ProductHigh 5 RewardsInterest CheckingBenefit Banking Plus


It's better than free. And, you can earn $5 cash back every month!***

Enjoy unlimited ATM access and earn interest while maintaining a moderate account balance.

Earn interest and enjoy additional benefits when you maintain a higher
relationship balance.

Minimum Opening Deposit

$50 $100 $100

Minimum Balance Required

(to avoid monthly maintenance fee)
None $850 daily balance or $1,700 average daily balance $10,000 average daily balance of combined consumer deposits, consumer loans and/or agricultural loans

Monthly Maintenance Fee

None $6 $15

Transaction Fees

None $0.25/check None


N/A Variable** Variable**

ATM Transaction Fees at non-FSB Terminals*

4 free per statement cycle, then $2/withdrawal Free Free


Apply Apply Apply

Account Disclosures

* Plus applicable sales tax.
** Refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
*** To earn the $5.00 reward, a High 5 Rewards Account with eStatements must be maintained and 15 signature-based debit card transactions (PIN-based and ATM transactions are excluded) in the amount of $10.00 or more must post to and clear the account on or before the last business day of the month. Each month the requirements are met, $5.00 will be credited to your account on the last business day of the month. No minimum or average account balance necessary. See account disclosure for additional details. Account subject to approval.

1 No Charge for Online Bill Pay when you use it each month to pay at least one bill ($3.00/month if not used).
2 Message and data rates may apply.
3 Subject to credit approval.
4 Referrals must be from a current FSB customer to a new FSB customer that opens a checking account with at least one required convenience service, which includes a direct deposit to your account, an automatic withdrawal from your account or signing up for eStatements. You and your friend will each receive a $25.00 deposit to your respective FSB checking account within 30 days of the first direct deposit to or automatic withdrawal from the new account or when the first eStatement is processed. If the referrer does not have an FSB checking account, the $50.00 will be mailed in the form of an FSB Visa® Gift Card. Limit one referral reward per new FSB customer. Subject to account approval. Please note that by your participation in this program, you acknowledge the party that referred you may know that you opened an account.

Personalization Settings


Farmers State Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again