Checking Accounts

First State Bank Nebraska offers a variety of features and benefits in our different checking account products to ensure that one will meet your financial needs. We know that each customer has unique needs and goals, so we developed an assortment of checking accounts to help you achieve this. Whether you are looking for a completely free checking account or one that earns high interest, we have the right one for you! When opening a checking account you will have access to unlimited check writing, free debit card, free online banking, free online bill pay and much more!

Our personal bankers would love to help you decide which account best suits your financial needs.

View Rates  Questions?

Comparison Chart
ProductFree CheckingSterling CheckingNOW CheckingFirst Rate CheckingGood Timers
Description

Checking account for people who want a low cost checking account that doesn't require a minimum balance with simple statements

Checking account for people who want a low cost account that requires a low minimum balance and images with their statement

Checking account for customers looking to earn interest on their account

FREE checking account that offers a higher interest rate and  free nationwide ATMs,if account requirements are met.3

Checking account that has many additional features. A great option to earn interest on a checking account and a waived fee for customers with investment dollars

Minimum Opening Deposit

$100.00

$300.00

$1,000.00

$100.00

$500.00

Monthly Service Charge6

No service charges apply to this checking account

$6.00 service charge a month if your monthly average balance falls below $300

$5.00 service charge a month if your monthly average balance falls below $1,000

No service charges apply to this checking account.

$10.00 service charge a month if your monthly average balance falls below $500
Free monetary instruments

Interest Bearing

No

No

Yes2

Yes2

Yes2

Checking Writing

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Benefits
Optional Overdraft

Yes

Yes

Yes

Yes

Yes

ID 911

Yes

Yes

Yes

Yes

Yes

Online Banking

Free Online Banking

Free Online Banking

Free Online Banking

Free Online Banking

Free Online Banking

Bill Pay

$3.95 per bill pay

Free online bill pay

Free online bill pay

Free online bill pay

Free online bill pay

Mobile Banking

Yes

Yes

Yes

Yes

Yes

Text/E-Mail Alerts

Yes

Yes

Yes

Yes

Yes

Visa® Debit Card

Free card with account

Free card with account

Free card with account

Free card with account

Free card with account

Disclaimers

2See current rate sheet for rates. Rate may change every Wednesday and interest is compounded monthly. Click here to view our current rates.

3Must meet all 5 requirements to receive full interest: Access internet banking, receive electronic statements, minimum of One on-line bill payment, minimum of 1 automatic debit or direct deposit, & minimum of 12 Visa Debit Card transactions.

4Provide identity theft solutions for each customer or member.

5Online Banking is required to receive your monthly checking account statement electronically. To receive electronic delivery service you must have a working connection to the Internet with e-mail capability and Adobe Reader®.

6$2.00 dormant account fee per month after 12 months of no activity.