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Checking Accounts

We are committed to providing you with the highest quality of service and our wide range of products have been designed to meet your financial 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.


First State Bank & Trust Company's Absolutely Free Checking provides all the value of a great checking account without the hassle of a minimum balance.

  • No monthly service charge
  • No minimum balance
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • FREE Debit Card
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with online check images
  • Buy Back of old checks and debit cards
  • 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.

This FREE checking account earns interest with the convenience of direct deposit or any automatic payment.

  • No monthly service charge
  • No minimum balance
  • Competitive interest paid on all balances
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • FREE Debit Card
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with online check images
  • Direct deposit or direct ACH payment needed for this account
  • Interest is calculated using the daily average balance and is paid monthly
  • Buy Back of old checks and debit cards
  • 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.

If you are 50 years of age or better, this account is just right for you.

  • No monthly service charge
  • No minimum balance
  • Competitive interest paid on all balances
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • FREE First State Bank & Trust, blue wallet style checks for life of the account
  • FREE Debit Card
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with online check images
  • Interest is calculated using the daily average balance and is paid monthly
  • Buy Back of old checks and debit cards
  • 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.

This account is for customers who choose to maintain a balance of $1,500 or more in a checking account so that a higher rate of interest can be earned.

  • Only a $1,500 daily minimum balance to avoid a service charge of $6
  • Higher interest rate paid on all balances when a minimum daily balance of $1,500 is maintained (see rate sheet for interest rate/APY)
  • Competitive interest rate paid on entire balance when balance falls below $1,500 (see rate sheet for interest rate/APY)
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Co. ATMs^
  • FREE First State Bank & Trust, blue wallet style checks for life of the account
  • FREE Debit Card
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with online check images
  • Interest is calculated using the daily average balance and is paid monthly
  • Only $50 to open account. Minimum balance applies after one full statement cycle grace period
  • Buy Back of old checks and debit cards

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.

For customers who embrace electronic banking and don't want to hassle with a minimum monthly balance or for those customers who want to earn a higher rate of interest on their deposits, this is the best choice.

1.25% APY* on balances up to $10,000 if qualifications are met
0.05% APY* if qualifications are not met

To qualify for the higher interest rate and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle

Disclaimer: *APY = Annual Percentage Yield. APYs are accurate as of 10/16/2014. Rates may change after account is opened. Minimum to open is $100.00. Enrollment in electronic statements is required to open and maintain this account. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per individual transaction up to a maximum of $20.00 per monthly qualification cycle and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.25%; and (3) balances over $10,000 earn 0.25% APY interest rate on portion of balance over $10,000, resulting in range of 1.25% - 0.22% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit two accounts per primary Social Security Number (Business accounts do not qualify). ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.

Click here to download the current Service Fee Schedule.