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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.

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First State Bank & Trust Co. offers eStatements for all checking accounts. To register for eStatements, simply log in to Online Banking to register. If you do not currently have Online Banking or have questions, please contact us at 402-721-2500.


Absolutely Free Business Checking

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
  • 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 Mobile Banking
  • FREE Business Debit Card
  • FREE eStatements with online check images
  • 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 Mobile Banking
  • FREE Business Debit Card
  • FREE eStatements with online check images
  • 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)

Click here to download the current Service Fee Schedule.