Checking Accounts Built Around You
Looking for a checking account that fits your life? At FSB, we offer personal checking options with flexible features and local service across Iowa. Whether you’re after no monthly fees, cashback rewards, or added perks, we’ll help you find the right account.
Compare Account Options Help Me Choose
Compare Our Checking Accounts in Iowa
Every FSB checking account includes free online and mobile banking, instant-issue debit cards, and local support across Eastern Iowa.
| Account | Monthly Fee | Benefit | Best For |
|---|---|---|---|
| Rewards CheckingTOP PICK | $0 with $1,000 balance | Earn up to 3.50% APY† | Earning interest on everyday balances |
| Prime Checking | $0, no minimum | $7/mo cashback reward6 | Free everyday banking with cashback |
| Secure Checking | $6/mo | ID theft monitoring + cell phone coverage up to $4002 | Built-in identity and device protection |
| Student Checking | $0 (ages 13-23) | No fees, no minimums | Students getting started with banking8 |
Rewards CheckingTOP PICK
Monthly Fee$0 with $1K balance
BenefitUp to 3.50% APY
Best for: Earning interest on everyday balances
View DetailsMonthly Fee$0, no minimum
Benefit$7/mo cashback
Best for: Free everyday banking with cashback
View DetailsMonthly Fee$4.95/mo
BenefitID + phone protection
Best for: Built-in identity and device protection
View DetailsMonthly Fee$0 (ages 13-23)
BenefitNo fees, no minimums
Best for: Students getting started with banking
View DetailsExplore Each Checking Account
Get a closer look at what each checking account includes and find the right fit for your needs.
If you’re looking for a high-yield account that rewards you for debit card use & high balances.
Key Benefits:
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Minimum to open: $1,000
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Tiered interest based on your balance†
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5 free non-FSB ATM withdrawals
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Up to $10 in ATM fee reimbursements
If you’re looking for a free account that rewards you for using your debit card.
Key Benefits:
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Minimum to Open: $25
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Earn $7 every month by meeting the minimum requirements6
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No monthly fees
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No minimum balance required & more
If you’re looking for an interest-earning account with customized perks & top-tier customer service.
Key Benefits:
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Minimum to Open: $100
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Interest† earnings based on daily balance tiers
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Free cashier’s checks, up to five per month
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Free 3x5 safe deposit box or discount on a larger size & more
If you’re 13-23 years old and want a simple account with no fees that introduces you to smart banking.8
Key Benefits:
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Minimum to Open: $25
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3 free non-FSB ATM withdrawals per month
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No monthly fees
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No minimum balance required & more
Why Iowans Choose FSB for Checking Accounts
No matter which account you choose, every FSB checking account comes with:
I love FSB, and I've been banking there for years. The people are so friendly and helpful.- Peggy H.
Proudly Serving Eastern Iowa Communities
FSB offers various checking accounts tailored to different stages of life. With online applications, instant-issue debit cards, and digital banking services, managing your finances has never been easier.
Earn Rewards for Every Referral
Invite your friends to bank with FSB and earn rewards when they open an account. It’s simple, fast, and now digital—no branch visit needed!
