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Personal

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 Company is sure to have an account that works for your needs. As the only local community bank in Fremont, First State Bank & Trust Company is proud to say that we reinvest your deposits into the Fremont community. So by banking with First State Bank & Trust Company, 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 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 a Sentry® Power Bank. Already have an account with us? You can get a FREE gift for youself 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.

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?


First State Bank & Trust Company’s Completely 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 Company ATMs^
  • FREE Debit Card at account opening
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with 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
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Company ATMs^
  • FREE Debit Card at account opening
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with check images
  • Direct deposit or direct ACH payment needed for this account
  • Interest is calculated using daily 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
  • Unlimited reimbursements of fees charged by First State Bank & Trust Co. at non-First State Bank & Trust Company ATMs^
  • FREE First State Bank & Trust, blue wallet style checks for life of the account
  • FREE Debit Card at account opening
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with check images
  • Interest is calculated using daily 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 Company ATMs^
  • FREE First State Bank & Trust, blue wallet style checks for life of the account
  • FREE Debit Card at account opening
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE unlimited check writing
  • FREE thank you gift at account opening
  • FREE eStatements with check images
  • Direct deposit or direct ACH payment needed for this account
  • Interest is calculated using daily 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.