Reward Checking

Reward Checking

There comes a time for everything. The time for ATM fee refunds and high interest checking accounts is now. Reward Checking from First State Bank is a free account with no minimum balance and unlimited check writing.


Experience First Class Banking by earning 0.50% APY* and unlimited ATM fee refunds** nationwide. No kidding. We'll refund any fees that you are charged for using another bank's ATM. It's your money after all.

Summary
  • 0.50% APY* on balances up to $100,000
  • 0.10% APY* on portion of balance over $100,000
  • Unlimited ATM fee refunds nationwide
  • No monthly service charge
  • Unlimited check writing
  • Free online banking with bill pay
  • Free MasterCard® debit card
  • Overdraft protection available upon request***
  • $100 minimum deposit to open (no minimum thereafter)
  • FDIC insured

***Overdraft protection not available on student accounts

Qualifications:

To receive 0.50% APY* on balances up to $100,000 and ATM fee refunds, simply do the following each monthly qualification cycle:


  • Have at least 8 debit card purchases (POS) post and clear (excluding ATM transactions)
  • Have at least 1 automatic payment or direct deposit post and clear
  • Access online banking
  • Receive e‐statements via Online Banking notice given by email

- Must maintain a vailid email address

- You will be required to notify the bank with any changes to your email address

- Images of checks available online


If you don't qualify during a cycle, don't worry!


You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. Plus you get a base rate of 0.05%APY* and you get right back to making 0.50% APY* and enjoying ATM fee refunds** the next cycle you qualify.


Disclaimer:


Minimum to open account is $100. *Annual Percentage Yield (APY) accurate as of 5/15/2013. Interest Rate tiers are as follows: 0.50% APY applies to balances of $100,000 and 0.10% APY applies to balances over $100,000 if qualifications are met during the monthly qualification cycle.0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% APY - 0.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. **Unlimited ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Available to personal accounts only. No monthly service charge.