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Checking Account Comparison

All our checking accounts include:

  • Top-Tier Accounts
  • Top-Tier Accounts
  • Base-Tier Accounts
  • Base-Tier Accounts
  • Feature
  • Premium Now Checking
  • Select Checking
  • Simple Checking
  • New Start Checking
  • Minimum opening deposit
  • $100
  • $100
  • $100
  • $25
  • Minimum daily balance
  • $1,000
  • None
  • $100
  • None
  • Minimum monthly balance
  • $1,000
  • None
  • $100
  • None
  • Monthly service fee4
  • $10
  • $6
  • $7
  • $5
  • BaZing benefits1,2
  • Yes
  • Yes
  • Interest-bearing3
  • Yes
  • Digital Banking
  • Yes
  • Yes
  • Yes
  • Yes
  • Statement fee5
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
  • $0 for e-statements, $2 for paper
Compare of personal checking accounts.
Top-Tier AccountsBase-Tier Accounts
FeaturePremium Now CheckingSelect CheckingSimple CheckingNew Start Checking
Minimum opening deposit$100$100$100$25
Minimum daily balance$1,000None$100None
Minimum monthly balance$1,000None$100None
Monthly service fee4$10$6$7$5
BaZing benefits1,2YesYes
Interest-bearing3Yes
Digital BankingYesYesYesYes
Statement fee5$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper$0 for e-statements, $2 for paper
Next StepsOpen Account for Premium NOW Checking Learn More about Premium NOW CheckingOpen Account for Select Checking Learn More about Select CheckingOpen Account for Simple Checking Learn More about Simple CheckingOpen Account for Simple Checking Learn More about Simple Checking

All products and services are subject to approval.

1Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

2Insurance products are: Not a deposit. Not FDIC-insured. Not insured by any federal government agency. Not guaranteed by the bank.

3Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.

4Service fee based on lowest monthly balance.

5The paper statement charge is $2 per month. For free paperless statements (e-statements), you must activate Digital Banking and sign up for e-statements.

Make the most of everything your checking account offers with our Powered by BaZing checking benefits.

Reward the way you live, shop, and travel with insurance savings and premium discounts from 400,000+ national and local retailers.

  • Download BaZing App
  • Download from the Apple App Store
  • Get it on Google Play

Take It from Our Customers

Mary Clark, Masterclock, Inc.

First State Bank has played an important role in the growth and success of Masterclock as a global leader in the timing industry. From business checking, lines of credit, and Missouri’s liked deposit program to employee HSA accounts, FSB has always offered outstanding service for our company and employees. FSB’s business online makes managing various accounts a seamless process. As a local manufacturer, woman-owned, small business and an exporter worldwide, Masterclock continues to bank on First State Bank.

Frequently Asked Questions

A few common questions, answered.

Please present one of these items for proof of identification:
  • Driver’s license
  • State-issued ID card
  • Military ID card
  • Passport
Please present one of these bills for proof of address:
  • Recent utility bill
  • Real estate tax bill
  • Personal property tax bill
  • Credit card bill
Please present one of these items for proof of identification:
  • Driver’s license
  • State-issued ID card
  • Military ID card
  • Passport
In lieu of the above forms of identification, you may present one of these items along with an item containing your name and address, such as an organization membership card, voter registration card, utility bill or real estate tax bill:
  • Social Security card
  • Medicare or Medicaid card
  • Insurance card
If you have questions about BaZing benefits, please call BaZing Customer Service at (855) 822-9464 (8 – 5 p.m. CST, Monday – Friday).

Log in to Digital Banking. From the mobile banking app:

  1. Click “Move Money”
  2. Click “Send Money with Zelle®”
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. View your remaining limit

From your desktop computer:

  1. Click “Move Money | Zelle®”
  2. Click “Send Money with Zelle®”
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. View your remaining limit
It’s easy. Just go to Digital Banking and click “Enroll” to access your banking accounts online or with the First State Bank of St. Charles mobile banking app.

Disclosures

All products and services are subject to approval.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.