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Business

Checking Accounts

We are committed to providing you with the highest quality of service and our wide range of business accounts meet your needs.

Whether you are looking to switch banks or start a new checking account, First State Bank & Trust Co. is sure to have an account that works for your needs. As the only local community bank in Fremont, First State Bank & Trust Co. is proud to say that we reinvest your deposits into the Fremont community. So by banking with First State Bank & Trust Co., not only are you getting a great account with great service, you are helping your community grow.

Account Features

Our checking account products come with great features at no cost to you. All accounts come with a FREE Business Debit Card at account opening, FREE Online Banking, FREE Bill Pay, FREE Mobile Banking, FREE eStatements with online check images, and a FREE thank you gift*!

Currently, our gift to you is an Escalade™ Blanket. Already have an account with us? You can get a FREE gift for yourself with a Tell-A-Friend. Simply print out the Tell-A-Friend with your information and have your friend bring it with them when they open their account. It's that easy!

Click here for a printable Tell-a-Friend.

Click here for a sneak peak at the upcoming Free gifts.

First State Bank & Trust Company also provides a Buy Back of any unused checks and debit cards from another financial institution so switching accounts is easy!**

*We reserve the right to subsitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at time of account opening.

**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Which account is right for me?

*Transaction items include all debits and credits. If the Absolutely Free Business or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.

^Includes coin and currency. If the Absolutely Free Business or Business Interest account excceds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.


First State Bank & Trust Co. offers a FREE business checking account for your business.

  • No monthly service charge
  • No minimum balance
  • FREE Online Banking & Bill Pay
  • FREE eStatements with online check images
  • FREE Mobile Banking
  • FREE Business Debit Card at account opening
  • FREE gift at account opening
  • First $10,000 in cash (coin/currency) deposits FREE each month and only $1.50 per $1,000 cash (coin/currency) deposited above $10,000 per month
  • 1,000 FREE items per month (including checks paid, check deposited, ACH debits and ACH credits)
  • Buy Back of old checks and debit cards
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • Only $50 to open account

For more information, please contact a new accounts representative at one of our branch locations.

^First State Bank & Trust Co. will reimburse the fees that we typically charge for use of Foreign ATMs at the end of the statement cycle. Additionally, First State Bank & Trust Co. will reimburse up to $20 in Foreign ATM fees assessed by other banks at the end of each statement cycle. This includes fees for withdrawals, transfers or balance inquiries completed by an ATM not owned by First State Bank & Trust Co.

The Business Interest Checking account is a great deal for qualifying sole proprietorships and non-profit organizations.

  • No monthly service charge
  • $1,500 minimum daily balance to avoid a $6 fee
  • FREE Online Banking & Bill Pay
  • FREE eStatements with online check images
  • FREE Mobile Banking
  • FREE Business Debit Card at account opening
  • FREE gift at account opening
  • First $10,000 in cash (coin/currency) deposits FREE each month and only $1.50 per $1,000 cash (coin/currency) deposited above $10,000 per month.
  • 1,000 FREE items per month (including checks paid, check deposited, ACH debits and ACH credits.)
  • Competitive interest calculated using the daily average balance
  • Buy Back of old checks and debit cards
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • Only $50 to open account

View current deposit rates.

For more information, please contact a new accounts representative at one of our branch locations.

^First State Bank & Trust Co. will reimburse the fees that we typically charge for use of Foreign ATMs at the end of the statement cycle. Additionally, First State Bank & Trust Co. will reimburse up to $20 in Foreign ATM fees assessed by other banks at the end of each statement cycle. This includes fees for withdrawals, transfers or balance inquiries completed by an ATM not owned by First State Bank & Trust Co.

Designed for businesses with more monthly activity, this account provides an earnings allowance to offset service charges.

  • No minimum balance requirements
  • FREE Online Banking & Bill Pay
  • FREE eStatements with online check images
  • FREE Mobile Banking
  • FREE Business Debit Card at account opening
  • FREE gift at account opening
  • Activity fees may be offset by earnings credit allowance paid on the average investable balance (see rate sheet for earnings credit rate)
  • Buy Back of old checks and debit cards
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • Only $50 to open account

Account Fees

  • Service Charge $15.00
  • Per Debit, Deposit, On-Us Item or Clearing Item $0.15
  • Cash (coin/currency) deposits only $.50 per $1,000

View current deposit rates.

For more information, please contact a new accounts representative at one of our branch locations.

^First State Bank & Trust Co. will reimburse the fees that we typically charge for use of Foreign ATMs at the end of the statement cycle. Additionally, First State Bank & Trust Co. will reimburse up to $20 in Foreign ATM fees assessed by other banks at the end of each statement cycle. This includes fees for withdrawals, transfers or balance inquiries completed by an ATM not owned by First State Bank & Trust Co.

Health Savings Account (HSA)

To assist in opening your new account, we may request the following:

Sole Proprietor
  • Standard ID for Individual Owner
  • SSN or TIN of Owner
Limited Liability Company (LLC)
  • TIN of LLC
  • Articles of Organization
  • Operating Agreement
Partnership
  • TIN of Partnership
  • Partnership Agreement
  • Certificate of Partnership
Not-For-Profit Organization
  • TIN of Organization
  • If incorporated, follow corporation guidelines
  • Standard ID for Individual Owner
  • Bylaws and Signer Authorization Documentation
Corporation
  • TIN of Corporation
  • Articles of Incorporation

Fictitious Business Name Statement may also be requested.