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.
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.
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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eStatements available for electronic account statements
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.
5If your daily balance falls below $100 at any point during the month, a $3 monthly maintenance fee will be charged to your account.
Money Market
Grow your money with flexible access and 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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eStatements available for electronic account statements
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.
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.
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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eStatements available for electronic account statements
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.
Additional Terms and Conditions Apply. Interest bearing account — refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
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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eStatements available for electronic account statements
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.
Youth Savings2
Help your teen build a solid foundation and 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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eStatements available for electronic account statements
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.
Certificate of Deposit
Grow your money with guaranteed returns and 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.
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.
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.
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.
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.
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.
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.
Business Money Market
A flexible business account with higher rates and 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: Unlimited in-person withdrawals, transfers, and ATM transactions; includes up to 6 checks per month
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Online Account Management: Make transfers and check balances with FSB's Business Online Banking
†All rates are subject to change without notice. APY = Annual Percentage Yield. 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.
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.
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.
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.
Business Ultimate Account
A flexible business account with higher rates and 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.
Additional Terms and Conditions Apply. Interest bearing account — refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.
Business Certificate of Deposit
Grow your money with guaranteed returns and 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.
Need Help Deciding?
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