What checking account is right for you?

Choose from our Lifestyle, Freestyle or NOW checking account to find the perfect fit for you.


Lifestyle Checking – your basic account

Minimum opening deposit of $100- $4.00 + tax monthly maintenance fee for mailed statements, .20+ tax/item over 30 items. (Applies to transfers, withdrawals & checks) or $3.00+ tax monthly maintenance fee for e-statements. No minimum balance requirements. Check images in monthly statement. Unlimited ATM usage & debit card available. (.50/mo+tax or fee is waived with e-statements. Free online & mobile banking. Bill pay available.
(This account and a debit card are free to customers 62+)


Freestyle Checking – No worries here!

Minimum opening deposit of $100. No minimum balance requirements. Monthly E-statements required, images are not included in monthly statement. Unlimited check writing & ATM usage each month. No debit card fee. Free online and mobile banking. Bill pay available. ** If you do not reply to your test e-statement within 30 day of account opening,  your account will be converted to a lifestyle checking.


NOW Checking 

For those that maintain a higher balance and want to earn a little interest.
Minimum opening deposit of $1,000. No fee if $1,000 minimum balance is maintained. Minimum balance fee of $5.00 +tax if balance falls below $1,000 on any day of the monthly statement cycle. $1,000 minimum to earn interest. No interest will be paid for each day balance is below minimum. Check images in monthly statement. Unlimited check writing & ATM usage. Debit card available (.50/mo+tax or fee is waived with e-statements. Free online and mobile banking. Bill pay available.


Farmers State Bank will provide full account disclosures at the time an account is opened.