Personal Checking

First State Bank has a wide range of personal checking accounts, so you are sure to find one that fits you!

Personal Checking Accounts include:

  • Mobile Banking
  • Mobile Deposits
  • Free Online Banking
  • Unlimited Checking

Personal Checking Accounts Comparison Chart

Checking AccountsMin Balance to Open

Min Balance to Avoid Fees

Monthly Service Fees
First Plus Checking

$100.00

$100.00

$9.00 if the daily balance falls below $100.00

First Plus Gold Checking $50.00 N/A $7.00
55 First Plus Gold Checking $50.00 N/A $3.50

E-Banking

$100.00

N/A

No Fee

Regular Checking

$50.00

$800.00

See Table Below

(No maintenance fee for students or persons 65 or older)

Watonga School Club

$50.00

N/A

No Fee

Super Now Checking

$1,000.00

$1,000.00

$8.00 if the daily balance falls below $1,000.00
on any day in the statement cycle

First Plus Checking

  • Minimum Balance to Open: $100.00
  • Minimum Daily Balance to avoid fees: $100.00
  • Monthly Service Fees: $9.00 if the daily balance falls below $100.00 on any day in the statement cycle
  • Monthly Statements with Images of Checks/Items

More Benefits

  • Transfund Debit Card - $1.00 monthly fee
  • $5,000 Accidental Death & Dismemberment Insurance

First Plus Gold Checking

  • Minimum Balance to Open: $50.00
  • Monthly Service Fees: $7.00
  • Monthly Statements with Images of Checks/Items

More Benefits

  • Free Transfund Debit Card
  • Free Specialty Blue wallet checks
  • $10,000 Accidental Death & Dismemberment Insurance

55 First Plus Gold Checking*

  • All the same benefits of First Plus Gold Checking with a lower monthly maintenance fee
    • Monthly Maintenance Fee: $3.50

*Available for those 55 years and older


E-banking

  • Minimum Balance to Open: $100.00
  • No Monthly Service Fees
  • E-Statements only

More Benefits

  • Free Transfund Debit Card

Requirements

  • Payroll must be auto deposited
  • Online Banking must be set up after opening

Regular Checking

  • Minimum Balance to Open: $50.00
  • Minimum Daily Balance to avoid fees: $800.00
  • No maintenance fee for students or persons 65 or older
  • Monthly Statements with Images of Checks/Items

More Benefits

  • Transfund Debit Card available - $1.00 monthly fee

If the daily balance falls below $800.00, a monthly fee will be charged as follows:

Daily BalanceFee
$0.00 - $99.99 $12.00
$100.00 - $199.99 $11.00
$200.00 - $299.00 $10.00
$300.00 - $399.99 $9.00
$400.00 - $499.99 $8.00
$500.00 - $599.99 $7.00
$600.00 - $699.99 $6.00
$700.00 - $799.99 $5.00
$800.00 - Above $0.00

Watonga School Club*

  • Minimum Balance to Open: $50.00
  • No Monthly Service Fees
  • Monthly Statements with Images of Checks/Items

More Benefits

  • Free Transfund Debit Card
  • Free Specialty Blue wallet checks
  • $5,000 Accidental Death & Dismemberment Insurance

*For Watonga School Employees Only


Super Now Checking

  • Minimum Balance to Open: $1,000.00
  • Minimum Daily Balance to avoid fees: $1,000.00
  • Monthly Service Fees: $8.00 if the daily balance falls below $1,000.00 on any day in the statement cycle
  • Variable rate interest
    • Must maintain a minimum daily balance of $500.00 to obtain the Annual Percentage Yield
  • Monthly Statements with Images of Checks/Items

More Benefits

  • Transfund Debit Card - $1.00 monthly fee

Questions?

If you have any questions about any of the services we offer, please call us at (580) 623-4945 or stop in to see us during normal business hours.

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