Checking Account Options

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Open a Checking Account Today

First State Bank offers a selection of checking account options to meet your personal needs. All accounts include the convenience brought by digital banking tools that include a mobile app, bill pay, mobile deposit, and electronic statements, as well as access to more than 32,000 free MoneyPass ATMs nationwide. Choose the account that best fits your banking style and allows you to bank whenever and wherever life takes you.

Our “powered by BaZing” accounts provide the convenience of digital banking as well as insurance benefits and premium discounts from more than 400,000 national and local retailers to reward the way you live, shop, and travel.

If you have questions about BaZing benefits, call BaZing Customer Service at 855.822.9464 (8 – 5 p.m. CST, Monday – Friday).

Open a Checking Account Today

First State Bank offers a selection of checking account options to meet your personal needs. All accounts include the convenience brought by digital banking tools that include a mobile app, bill pay, mobile deposit, and electronic statements, as well as access to more than 32,000 free MoneyPass ATMs nationwide. Choose the account that best fits your banking style and allows you to bank whenever and wherever life takes you.

Our “powered by BaZing” accounts provide the convenience of digital banking as well as insurance benefits and premium discounts from more than 400,000 national and local retailers to reward the way you live, shop, and travel.

Woman showing BaZing benefits on her phone

Premium NOW Checking

Powered by BaZing icon
An account that rewards you with incredible perks.​
Benefits include:
Anywhere banking tools Digital Banking Tools
Shop Local, Save Local with BaZing Saving
Cell phone insurance coverage Cell Phone Protection1,2
ID Theft ID Theft Aid1,2
Roadside assistance Roadside Assistance
Travel death coverage $10,000 Travel Accidental Death Coverage1,2
Health Savings Health Savings Card
Buyers protection Buyer’s Protection and Extended Warranty1,2
Competitive interest on your checking balance that compounds and is paid monthly.3
Open account with $100 and maintain a $1,000 daily minimum balance, and we’ll waive the $10 monthly service charge—$0 for e-statements and $2 for paper statements.4,5
Open Now
Couple Thinking About Select Checking

Select Checking

Powered by BaZing icon
A checking account with benefits that you’ll use daily.
Benefits include:
Anywhere banking tools Digital Banking Tools
Shop Local, Save Local with BaZing Saving
Cell phone insurance coverage Cell Phone Protection1,2
ID Theft ID Theft Aid1,2
Roadside assistance Roadside Assistance
Travel death coverage $10,000 Travel Accidental Death Coverage1,2
Health savings Health Savings Card
Buyers protection Buyer’s Protection and Extended Warranty1,2
Open account with $100. A $6 service charge is assessed monthly—$0 for e-statements and $2 for paper statements.5
Open Now

We also offer checking options for a more modest banking style. If you are new to banking, prefer a basic transaction account or want to reset your financial history, consider our Simple Checking and New Start Checking options for a secure and affordable option to enhance your financial success.

Couple embracing on Porch

Simple Checking

Checking icon
A low cost account with features that will suit your basic needs.
Benefits include:
Anywhere banking tools Digital Banking Tools
Open account with $100 and maintain a $100 daily minimum balance, and we’ll waive the $7 monthly service charge—$0 for e-statements and $2 for paper statements.4,5
Open Now
Woman using New Start Checking

New Start Checking

Credit Card icon
An affordable account to assist in shaping your financial goals.
Benefits include:
Anywhere banking tools Digital Banking Tools
Broken Piggy Bank icon We will return as unpaid without a fee, any items that may overdraw this account. Refer to account disclosure for details.
Open account with $25. A $5 service charge is assessed monthly—$0 for e-statements and $2 for paper statements.5
Visit one of our banking centers to open your account today.

Shop Local. Save Local.

Shop Local Save Local with Bazing

Browse the BaZing app to access discounts that fit each day, each plan, each purchase.

Shop and dine at places you know and love in the BaZing savings network, locally and nationally.

Save by simply showing your mobile app coupon to retailers for instant savings.

Available for download now:

apple-store_icon    google-play_icon

To learn more, read the Benefits Reference Guide and visit BaZing.com to access your discounts.

Frequently Asked Questions

What forms of identification do most customers need to present to open an account?

Please present (1) of these items for proof of identification:

  • Drivers license
  • State issued ID card
  • Military ID card
  • Passport

Please present (1) of these bills for proof of address:

  • Recent utility bill
  • Real estate tax billl
  • Personal property tax bill
  • Credit card bill
What forms of identification do the elderly and disabled need to present to open an account?

Please present (1) of these forms of identification:

  • Drivers license
  • State issued ID card
  • Military ID card
  • Passport

If none of the above forms of identification are available, please present (1) of these alternative options:

  • Social Security card
  • Medicare or Medicaid card
  • Insurance card
  • If you are presenting (1) of the above alternative forms of identification, we will ask that you additionally provide (1) of these items that contains both your name and address:
    • Organization membership card
    • Voter registration card
    • Utility bill
    • Real estate tax bill
Who do I contact to talk about my BaZing benefits?

If you have questions about BaZing benefits, call BaZing Customer Service at 855.822.9464 (8 – 5 p.m. CST, Monday – Friday).

How do I find my Zelle® limits in the digital banking system?

Log in to Digital Banking.

From the mobile app:

  1. Click “Move Money”
  2. Click “Send Money with Zelle®”
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. Your remaining limit will display

From your desktop computer:

  1. Click “Move Money | Zelle®”
  2. Click “Send Money with Zelle®”
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. Your remaining limit will display
How do I enroll into Digital Banking?

First State Bank account holders must go to Digital Banking and click “Enroll” in order to access their banking accounts online and with the First State Bank of St. Charles mobile banking app.

All products and services are subject to approval.

1 Subject to the terms and conditions detailed in the Guide to Benefits. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

3 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.

4 Service fee based on lowest monthly balance.

5 The paper statement charge is $2 per month. For free paperless statements (e-statements), you must activate Digital Banking and sign up for e-statements.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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