Business Checking Accounts
Checking Accounts That Keep Your Business Moving
Dependable checking solutions with flexibility and convenience to support businesses of every size.
Running a business means keeping an eye on every dollar. Our business checking accounts give you the flexibility to manage everyday transactions while enjoying the hometown service and trusted relationship that make The First State Bank different.
First Rate Checking
In business, every dollar matters. That’s why we offer our First Rate Checking for personal and business accounts.
Put your money to work with a First Rate Checking account. Enjoy all of the conveniences of everyday banking while earning 4.00% APY* on balances up to $25,000 and 0.01% APY* on balances over $25,000. With no hidden fees and easy access to your funds, it’s the smarter way to bank.
Benefits:
- no minimum balance
- no monthly service charge
- unlimited check writing
- digital banking
- free bill pay
- support your local school with a mascot debit card
- digital banking convenience
Eligibility Requirements:
- $100 minimum to open
- monthly electronic statements
- 12 debit card transactions per month
- One ACH transaction per month
Regular Checking Account
Business banking made simple. Our traditional free checking account offers convenient access to your money with the hometown service you’ve come to expect from The First State Bank.
Benefits of Free Checking:
- no monthly maintenance fees
- no minimum balance requirements
- free digital banking, including online and mobile
- unlimited check writing
- free debit card
- school mascot debit card eligible
*APY is Annual Percentage Yield. Account has a minimum opening balance of $100. Annual Percentage Yield (APY) is accurate as of 8/25/2025. Rates are variable and subject to change at any time. To qualify for interest, each monthly statement cycle you must: Conduct at least twelve (12) settled and posted debit card transactions; excluding ATM transactions; AND have at least one (1) settled and posted Automated Clearing House (ACH) credit or debit; AND receive an Electronic Statement (estatement). Online Banking with estatement enrollment is required. Fees could reduce the earning on the account.
