Best Checking Accounts in Minnesota: What First State Bank and Trust Offers

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When it comes to checking accounts, Minnesotans have plenty of choices, but few accounts offer the personalized features, local support, and financial flexibility that clients enjoy with First State Bank and Trust. Whether you're managing everyday spending, opening your first account, or looking for more advanced features, FSBT offers a range of checking options to support your goals. Here’s a closer look at why First State Bank and Trust is a top choice for checking accounts in Minnesota.

Why Choose First State Bank and Trust for Your Checking Account?

We’ve been serving Minnesota since 1914, with locations in Bayport, Oak Park Heights, and Boutwells Landing. Our team lives in the community and understands your needs. We take pride in providing the kind of intentional, personalized service you can’t find at major national banks—and that includes helping you choose the right checking account with confidence.

Checking Accounts That Fit Your Needs

We offer four unique checking account options, each designed to match a different lifestyle and help you meet your financial goals. Whether you’re looking to earn interest, enjoy perks, or keep things simple, we’ve got an account for you.

eChecking - Our Most Popular Option

$20 minimum to open
No minimum balance requirement
No monthly activity charge

For those who prefer to do their banking online and want a straightforward, fee-free account, eChecking is a great choice. It's designed for ease, flexibility, and modern money management.

1914 Checking - A Nod to Tradition

$20 minimum to open
$100 minimum balance
Paper statements available

1914 is ideal for those who prefer a more traditional banking experience with physical statements and a simple structure.

Croix Club - Exclusively for Clients 50 and Better

$20 minimum to open
No minimum balance
Interest-bearing
Free standard checks

This Croix Club is designed for clients aged 50 or older who want value, convenience, and benefits tailored to their stage in life.

First Class - For Clients Who Want to Earn More

$20 minimum to open
$1,000 minimum balance
Tiered interest rates
Free standard checks
Free Cashier’s Checks & Money Orders
Free 3 x 5 Safe Deposit Box

With premium perks and interest-earning potential, First Class is a great fit for clients who maintain higher balances and want more from their checking account.

Personal Service, Local Roots

We do more here. Our commitment to full-service banking means you’ll find more than just checking and savings accounts—you’ll also have access to insurance services, investment guidance, mortgage solutions, business loans, and trust services.

First State Bank and Trust offers convenient and secure mobile and online banking options to make managing your finances easier. Whether you're at home or on the go, you can check balances, transfer funds, pay bills, and deposit checks using the FSBT mobile app or online banking platform. With 24/7 access and robust security features, FSBT gives clients the tools to bank on their schedule, wherever life takes them.

As your financial life evolves, it’s easier and more efficient to manage everything under one roof. Whether you’re just getting started or planning your legacy, we’re here to help you every step of the way.

Ready to Find Your Perfect Account?

Explore our checking account options and open yours today.

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