Personal Checking Accounts in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

FSB's Checking Accounts in Iowa

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.

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Compare Our Checking Accounts in Iowa

Choose the Account That’s Right for You

Rewards Checking

If you’re looking for a high-yield account that rewards you for debit card use & high balances.

Key Benefits:

Minimum to open: $1,000
Tiered interest based on your balance^†
5 free non-FSB ATM withdrawals
Up to $10 in ATM fee reimbursements

Full Account Details

Icon for High Five Rewards Checking in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Prime Checking

If you’re looking for a free account that rewards you for using your debit card.

Key Benefits:

Minimum to Open: $25
Earn $7 every month by meeting the minimum requirements⁶
No monthly fees
No minimum balance required & more

Full Account Details

Secure Checking

If you’re looking for added protection¹ such as identity theft monitoring & cell phone insurance.

Key Benefits:

Minimum to Open: $25
IDProtect®
Up to $400 in cell phone protection²
No minimum balance required & more

Full Account Details

Icon for Benefits Plus Checking Account in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Benefits Checking

If you’re looking for an interest-earning account with customized perks & top-tier customer service.

Key Benefits:

Minimum to Open: $100
Interest^† earnings based on daily balance tiers
Free cashier’s checks, up to five per month
Free 3x5 safe deposit box or discount on a larger size & more

Full Account Details

Icon for FSB's Teen Checking Account in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Student Checking

If you’re 13-23 years old and want a simple account with no fees that introduces you to smart banking.⁸

Key Benefits:

Minimum to Open: $25
3 free non-FSB ATM withdrawals per month
No monthly fees
No minimum balance required & more

Full Account Details

Why Iowans Choose FSB for Checking Accounts

No matter which account you choose, every FSB checking account comes with:

Instant-Issue Debit Cards

Get your free contactless card instantly at any FSB location.

FSB ATM Transactions

Enjoy unlimited transactions at any FSB-owned ATM.

Online & Mobile Banking

Access your account online or via the FSB Now mobile⁹ app.

Mobile Check Deposits

Deposit checks from anywhere using your mobile⁹ device.

Custom Account Alerts

Set up alerts to stay informed about your account activity.

eStatements

Receive your statements electronically.

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.

Prefer to Open Your Checking Account In Person?

Complete the form below, and a banker will reach out to schedule a time to meet.

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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!

Start Referring

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Checking Account Disclosures

Additional Terms and Conditions Apply. Subject to approval.
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.
⁶Earn a $7 reward each month when you receive eStatements and make at least 25 signature-based debit card transactions (excluding PIN-based and ATM transactions) of $20 or more. The qualifying transactions must post and clear on or before the last business day of the month. When requirements are met, the $7 reward will be credited to your account on the last business day of that 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.
⁹Message and data rates may apply.
^†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.