Find Your Best Personal Checking Account
Choose what matters most to you and we’ll recommend the right checking account.
What matters most to you?
Select the option that best matches what you want from your personal checking account.
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.
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. A premium interest rate will apply to this account if the minimum requirements are met. FSB is not responsible for typographical errors or omissions.
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. A premium interest rate will apply to this account if the minimum requirements are met. FSB is not responsible for typographical errors or omissions.
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, speak with a Farmers State Bank representative.
2The descriptions herein are summaries only and do not include all terms, conditions, and exclusions. Please refer to the actual Guide to Benefit and/or insurance documents for complete details.
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. 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.
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.
2The descriptions herein are summaries only and do not include all terms, conditions, and exclusions. Please refer to the actual Guide to Benefit and/or insurance documents for complete details.
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. 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.
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.
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.
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.
2The descriptions herein are summaries only and do not include all terms, conditions, and exclusions. Please refer to the actual Guide to Benefit and/or insurance documents for complete details.
3Benefits are available to personal checking account owner(s), their joint account owners, and their eligible family members. 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. FSB is not responsible for typographical errors or omissions.
2The descriptions herein are summaries only and do not include all terms, conditions, and exclusions. Please refer to the actual Guide to Benefit and/or insurance documents for complete details.
3Benefits are available to personal checking account owner(s), their joint account owners, and their eligible family members. 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. FSB is not responsible for typographical errors or omissions.
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 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.
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