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All FSB Electronic Banking transfer cut-off times have been extended to 8 pm!

Life-Stage Solutions

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CHECKING ACCOUNTS

What's the easiest way to manage your money? Let us count the ways. Your life is busy. Your needs are unique. At Farmers State Bank, we can help you simplify. We've created three different checking accounts - Free Checking-Plus, Investor Checking, and Elite Club Checking - so you can choose the product that's right for your lifestyle.  Each account offers it's own unique benefits and each is FDIC insured.  Combine your deposits and you may be able to earn better rates, avoid fees and enjoy a wide range of free services.  The name of the game is choice, and everybody is a winner at Farmers State Bank.

Free Checking Plus

Customers who want free checking with the ability to write checks and do not want to keep high balances.

Life is hectic enough without having to worry about your money. With FSB's Free Checking-Plus, you don't have to. There's no minimum balance, no per check charge and no monthly fee. Plus, you'll be able to enjoy all of the advantages of online banking and more. It is, quite simply, the easiest way to stay on top of your finances. Your FSB Free Checking-Plus Account includes:

  • $50 opening deposit required
  • Free checking... no minimum balance, no per check fees, no monthly fee
  • Free FSB online banking
  • View check images online
  • Free online transfers between accounts
  • Free FSB MasterCard® debit card
  • Free telephone banking 24/7
  • No fees @ FSB ATMs
  • Discount on loan rates for consumer or auto loans with Autopay*
  • Free FSB mobile banking**
  • Free SMS text banking**
* Requires credit approval
**Msg/Data rates may apply 
Note: Other conditions and fees may apply

Elite Club Checking

Who says you can't have it all?  Elite Club Checking gives you comprehensive service in one package.

For those who expect the best, we've created Elite Club Checking. This is the best package of banking services we offer. With no minimum balance requirement and just a monthly membership fee, you'll enjoy a full complement of free or discounted banking services and you can save hundreds of dollars with the exclusive club insurance and other benefits.

In addition to all the benefits of Free Checking-Plus, your Elite Club Checking Account also includes:

  • $50 opening deposit required
  • No minimum balance
  • Free personalized checks
  • Free check images included with statement
  • Free Bill Pay
  • $10,000 in Accidental Death and Dismemberment Insurance 
    (Additional insurance benefits available)
  • Complimentary Trust and Estate Planning consultation
  • FSB Elite Club benefits... ask us for details 
    on how you can save hundreds of dollars!
Monthly Membership fee applies 

Note: Other conditions and fees may apply

Investor Checking

Make your money work as hard as you do.  Investor Checking rewards you with increased earnings.

We believe there should be a checking account that offers higher interest rates to customers who maintain higher balances. That's why we created FSB Investor Checking. If you maintain a minimum balance of $800, or an average balance of $1,600 or your combined deposits add up to $25,000 or more, you're eligible for this special package of banking benefits.

In addition to all of the benefits of Free Checking-Plus, your Investor Checking Account also includes:

  • $800 opening deposit required
  • No balance fee for Investor Checking with a minimum balance of $800 or an average balance of $1,600 or combined deposit balances of $25,000 or more*
  • The higher your balance, the higher the interest rate
  • Free check images included with statement
  • Complimentary Trust and Estate Planning consultation

*Combined deposits must have same ownership. 
A monthly balance fee will be applied if balance falls below minimums shown above. 
Note: Other conditions and fees may apply