Personal Checking


Your checking account is your workhorse. It’s how you pay most of your bills, make everyday purchases, and keep funds readily available. It’s the money that’s close at hand when you need it. Browse our account information then stop by our office to open your account.


Online Banking

Our personal online banking allows you to handle your daily banking needs at anytime. Check your available balances, schedule and pay bills, access eStatements, and transfer funds between accounts.


To see a walkthrough video of our Personal Online Banking, click on the link below.

Interactive Video Player


  Free CheckingIn Town Club CheckingHSA Checking
(Health Savings Account)
This account is for youBasic, no frills checking accountFor customers who value a banking relationship.If you are using an HSA compatible healthcare plan and need to manage your HSA money.
Usage Guidelines
(Transactions and minimum balance requirement.)
No Minimum Balance Required Unlimited items.$1000 Minimum Average Monthly Balance Or Automatic Payment to /from accountNo Minimum Balance Required Unlimited items.
Monthly Maintenance ChargeNone$10*
*If usage guidelines are not met.
Transaction LimitN/AN/AN/A
Free ChecksN/AYesYes
Debit card/ATM cardYesYesYes
Online BankingYesYesYes
Check ImagesYesYesYes
Other Features- .15% Bonus Rate on our Standard Certificate of Deposit Rates

- Annual Discount for Safe Deposit Box

- Reduced Mortgage Closing Cost


Interest is accrued on daily collected balances and paid monthly. Interest rates depend on the account balance.


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Always know what’s in your bank accounts with Mobile Alerts. When you sign up for 1st State Bank’s online banking you have the option to receive alerts sent directly to your mobile device. Sent via SMS, you can choose to be alerted for a variety of checking and savings transactions, such as deposit activity, debit activity, and your daily morning balance.


Please contact your 1st State Bank office for current rate information. For more information, visit any of our Banking Offices or please Contact Us.