At First State Bank and Trust, your money works harder for you. Our business accounts offer the following services.

  • A no fee Debit MasterCard®.
  • 24 hour Internet Banking: Log on anytime to transfer funds between accounts, verify balances, look up canceled checks…even download monthly statements directly to your accounting software. 


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Description Business Checking Business Checking with Interest Small Business Checking Business Value Checking
Minimum to Open $100.00 $100.00 $100.00 $100.00
Minimum Balance None None None $250.00
Monthly Maintenance Charge $11.00 * $11.00 $9.00 $5.00 if balance falls below minimum
Activity charge per debit item $0.15 * $0.15 100 free items; $0.50 thereafter 50 free items; $0.50 thereafter
Activity charge per deposit item $0.10 * $0.10 100 free items: $0.50 thereafter 50 free items; $0.50 thereafter
Earnings Credit Yes No No No

*The monthly maintenance and activity charges, if any, are determined by the transaction volume and average balance. These charges are then offset by an earnings credit. On request, we will calculate an estimate of the typical monthly charges.

Financial needs change as a business grows. Our business banking team can anticipate your next challenge and introduce you to the financial tools needed to build your success. From your first checking account, to a construction loan for your new headquarters…we're here for you. We can help with the following: Checking, Savings, Loans and Cash Management.

According to State and Federal regulations, certain business documents must be presented at the bank when you open a business account. Contact one of our Universal Bankers here to find out what you’ll need to provide.


Let us introduce you to the tools you need for success.

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Put your money to work with our credit cards!

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