Personal Checking

First State Bank has a wide range of personal checking accounts, so you are sure to find one that fits you!

Personal Checking Accounts include:

Checking Accounts	Min Balance to Open	Min Balance to Avoid Fees	Monthly Service Fees
First Plus Checking	$100.00	$100.00	$9.00 if the daily balance falls below $100.00
First Plus Gold Checking	$50.00	N/A	$7.00
55 First Plus Gold Checking	$50.00	N/A	$3.50
E-Banking	$100.00	N/A	No Fee
Regular Checking	$50.00	$800.00	See Table Below (No maintenance fee for students or persons 65 or older)
Watonga School Club	$50.00	N/A	No Fee
Super Now Checking	$1,000.00	$1,000.00	$8.00 if the daily balance falls below $1,000.00 on any day in the statement cycle

Minimum Balance to Open: $100.00
Minimum Daily Balance to avoid fees: $100.00
Monthly Service Fees: $9.00 if the daily balance falls below $100.00 on any day in the statement cycle
Monthly Statements with Images of Checks/Items

All the same benefits of First Plus Gold Checking with a lower monthly maintenance fee
- Monthly Maintenance Fee: $3.50

*Available for those 55 years and older

If the daily balance falls below $800.00, a monthly fee will be charged as follows:

*For Watonga School Employees Only

Minimum Balance to Open: $1,000.00
Minimum Daily Balance to avoid fees: $1,000.00
Monthly Service Fees: $8.00 if the daily balance falls below $1,000.00 on any day in the statement cycle
Variable rate interest
- Must maintain a minimum daily balance of $500.00 to obtain the Annual Percentage Yield
Monthly Statements with Images of Checks/Items

If you have any questions about any of the services we offer, please call us at (580) 623-4945 or stop in to see us during normal business hours.

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