Personal Checking Accounts

Free Checking

Free checking from First State Community Bank offers many benefits including:

  • No Minimum Balance
  • No Monthly Fee
  • Only $50 to Open

Free Checking is a great way to get all the benefits of an FSCB account with none of the cost.

ELEMENTS Green Banking

Earn our best interest rate, 3.04% APY on checking balances of $0.01 to $25,000.00* and 0.25% APY on checking balances of $25,000.01 or more
 

Elements Checking is a high performance checking account that offers a substantial interest rate. You get:

  • E-statements

  • Internet Banking at fscb.com

  • Online Bill Pay at fscb.com

To earn our best rate on checking*:

  • Use your FSCB Debit VISACard for, at least, 8 POS purchases and/or recurring debits each monthly statement cycle, and

  • Make a monthly direct deposit or automated transfer from another FSCB account at least once each monthly statement cycle, and

  • Get monthly e-statement delivery, and

  • Use no checks, other than checks issued through FSCB Online Bill Pay.

* This is a variable rate, tiered product and the rate is subject to change at any time. To obtain the maximum rate, the following account requirements must be met every monthly statement cycle: 1) At least 8 settled debit card point-of-sale purchases or recurring debit card transactions; e.g., auto debit for utility bill, per statement cycle. Please note: Merchants could settle debit card transactions after the date the transactions occur. In order for the debit card purchase/recurring transactions to apply to the minimum requirement of 8, the transaction must settle within the statement cycle; 2) monthly e-statement delivery; 3) monthly ACH deposit or automated funds transfer from another FSCB account at least once per statement cycle; and 4) no checks other than checks issued through FSCB Online Bill Pay program. If all account requirements are not met the entire account balance will pay a base rate of 0.05% APY. By meeting the requirements list above, interest will be paid on two tiers: 1) $0.01 to $25,000.00 will earn 3.04% Annual Percentage Yield, and 2) $25,000.01 and over will earn 0.25% APY, resulting in a blended APY of 0.25% to 3.04% APY. Personal accounts only. Maximum of 2 Elements accounts per household. Minimum balance to open a checking account is $50. Other fees and restrictions may apply; fees may reduce earnings. We reserve the sole discretionary right to open an account or close an existing account for any reason.

 

SuperNOW Checking

Put some money in your pocket with a SuperNOW account. SuperNOW Checking is an interest-bearing account that rewards you for your checking balance. The interest rate earned is based on the tier system shown below:

  • $0-$1499.99
  • $1,500-$2499.99
  • $2,500 and Over

Interest on this account is compounded and credited monthly, offering you a great way to earn.

Premier Account

Offering AD&D Insurance and more, FSCB’s Premier Account offers more than just a checking account. With Premier you will receive great benefits including:

  • $10,000 AD&D Insurnace
  • Prescription Drug Discounts
  • Beltone Hearing Discounts
  • Hotel Discounts
  • Entertainment Discounts

First State Community Bank Benefits Include:

  • One Free Box of Premier Club Checks Annually
  • 50% off Wire Transfers
  • Stop Payment Discount of $5.00
  • 20% off Safe Deposit Box Rental
  • 50% off all Cashier’s Checks and Money Orders
  • Free Account Sweeps

The Premier Account is available for only $7.50 per month. See a Customer Service Representative and start your account today.

New Opportunity Checking

If you have experienced financial trouble in the past, or even had trouble opening a checking account, New Opportunity Checking may be right for you.

  • FREE ATM/Debit Card
  • Convenient, 24-Hour Account Access
  • Purchases Anywhere Visa is Accepted*
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Telephone Banking
  • Daily ATM limit is $300. Daily point-of-sale is $500.

Sign-up for Direct Deposit and you’ll receive $2.00 off the monthly account fee. Your deposit will be on time, every time. 
 

  • $7.95 with Direct Deposit
  • $9.95 without Direct Deposit
*$50 minimum opening balance.