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 2.02% 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
  • 2.02% APY* on balances up to $100,000
  • 0.50% 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 telephone banking
  • Free MasterCard® debit card
  • Overdraft protection available upon request***
  • $100 minimum deposit to open (no minimum thereafter)
  • FDIC insured

Remember, if you don't qualify one month, you still receive interest at the base rate of 0.10% APY* and can get the rewards back the following month.

*APY = Annual Percentage Yield

**APY and interest rates current as of 08/01/10 (interest rates may change at our discretion)

***Overdraft protection not available on student accounts

Qualifications

In order to qualify for the reward rate and ATM fee refunds, simply do the following each statement cycle:

It couldn't be easier! Chances are you're doing these already.

And remember, if you don't qualify one month, you still receive interest at the base rate of 0.10% APY* and can get the rewards back the following month.

*APY and interest rates current as of 08/01/10 (interest rates may change at our discretion)

More Info

2.02% Annual Percentage Yield (APY) paid on balances up to $100,000, and 0.50% APY paid on all amounts above $100,000 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however it will not receive ATM refunds for that time period. APY and interest rates current as of 08/01/10 (interest rates may change at our discretion). We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit a minimum of $100 to open the account. Available to personal accounts only. No monthly service charge.