Deposit Accounts

Open an Account,

Support a Cause

When you open a personal deposit account at First State Bank and Trust, we will donate $100 to a local non-profit - and you get to choose which cause. It's automatic, impactful, and part of our commitment to giving back to our community.

Bank With Purpose

At FSBT, we believe shaping positive change starts right here at home. These contributions reflect our people-first approach and our dedication to investing in the greater Minnesota and Wisconsin region.

Select from causes such as food access, education, animal rescue, or affordable housing, and you'll help direct a $100 donation to one of 10 non-profits making a difference in our communities.

Simple, Smart Options

Earn Interest

First Class

$20.00 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

First Class details

50+ Club

Croix Club

For clients age 50 or better
$20.00 minimum to open
No minimum balance
Free standard checks
Interest bearing

Croix Club details

Traditional Checking

1914

$20.00 minimum to open
$100.00 minimum balance
Paper statements

1914 details

Most Popular

eChecking

$20.00 minimum to open
No minimum balance
No monthly activity charge

eChecking details

Earn more interest

Investors Plus Money Market

$2,000 minimum to open
Tiered interest rates
Interest compounded and credited monthly (variable interest rate may change at any time)
ATM card available

Investor Plus Money Market details

Traditional Savings

Statement Savings

$1 minimum to open
No monthly maintenance charge with a $100 minimum balance
Interest compounded and credited quarterly (variable interest rate may change at any time)
ATM card available

Statement Savings details

Kids Savings (<18)

SuperKids Savings

$1 minimum to open
No monthly maintenance charge with a $100 minimum balance
Interest compounded and credited quarterly (variable interest rate may change at any time)

SuperKids Savings details