Offering Premium Interest Rates and ATM Refunds

What Is Reward Checking from First State Bank?
First State Bank’s Reward Checking accounts offer a few added incentives over our standard First Choice Checking accounts. Reward Checking pays a premium interest rate and provides refunds for nationwide ATM fees.* To receive these rewards, all you have to do is use your First State Bank debit card and enroll in E-Statements by email.

There’s only a $100 deposit required to open a Reward Checking account.

A Debit Card for You
With a Reward Checking account from First State Bank, you will receive a debit card. This card works just like a check—minus the check writing—and is accepted virtually everywhere a credit card is accepted. As always, your debit card can be used at ATMs to make cash withdrawals from your account. Additionally, every purchase you make with this debit card is taken out of your Reward Checking account.

Reward Checking Benefits
A Reward Checking account comes with the benefits listed below.

  • Pays interest – Earn a premium rate on balances up to $20,000
  • Refunds nationwide ATM fees*
  • A debit card
  • Access to online banking services, including:
  • Account security with SpyLink
  • Deposits to checking and savings
  • Cash withdrawals from your account
  • Balance inquiries
  • Money transfers to checking and savings

Open a Reward Checking Account Today

If you’re ready to open a Reward Checking account with First State Bank, just choose the method that works best for you.


If you like the convenience of doing everything online from the comfort of your home or office, this option is for you. Opening an account with us online is a pretty straightforward process, but we will happily help you out if you need any assistance. Just contact the branch nearest you and we will make sure you get everything set up smoothly.

With a Banker

If you prefer to talk to a person, our friendly and experienced bankers are ready to assist! Contact your local banker and they will gladly walk you through the process.

Limit one account per person. A valid email is required.

*First State Bank will refund up to $25 per qualification period.

**Must have 10 debit card transactions post and clear per qualification period—ATM withdrawals excluded.