Checking Accounts First Central State Bank

personal_checking_chart

 

 

Reward Checking

 

FREE Checking

 

First With Interest Checking

 

First Class Checking

 

Payroll Convenience Checking

 

Health Savings Account


Minimum Balance
 
No minimum balance requirement
 
No minimum balance requirement
 
$1000 daily minimum or $2000 monthly average balance
 
$350 daily minimum or $2000 monthly average balance
 
No minimum balance requirement
 
No minimum balance requirement

Transaction
 
Unlimited transactions
 
Unlimited transactions
 
Unlimited transactions
 

30 per debit fee over 20 debits will be incurred if balance requirements are not met

 
Unlimited transactions
 

No fee for six withdrawals per month ($1.00 per withdrawal over six)

Requirements

 

Minimum initial deposit - $100

Must have a direct deposit or ACH transaction

Make at least 10 check card transactions (excluding ATM transactions), and receive e-statements.

 

Minimum initial deposit - $50

 

 

Minimum initial deposit - $100

 

Minimum initial deposit - $50

 

Minimum initial deposit - $25

Must have direct deposit

 

Must have a high deductable health insurance plan

Interest

 

Premium rate is paid on a two tier basis: $.01 to $25,000 and $25,000.01 and over, if requirements are met

 

 

 

Variable interest rate computed on daily balance and paid monthly

 

 

 

 

 

Variable interest rate computed on daily balance and paid monthly

Fees

 

No monthly fees

 

No monthly fees

 

$10 per month if balance requirements are not met

 

$3 per month will be incurred if balance requirements are not met

 

No monthly fees

 

 

Monthly maintenance fee ($3.00 plus tax)

 

Benefits

 

ATM fees refunded nationwide-if requirements are met

FREE online banking and bill pay

FREE Visa Check Card

 

FREE online banking and bill pay



$5.00 a month Visa Check Card (*Students age
22 or younger are exempt from the CheckCard/ATM card fee.)

 

FREE online banking and bill pay


FREE Visa Check Card

 

FREE online banking and bill pay


$1.50 per month Visa Check Card access

 

FREE online banking and bill pay


FREE Visa Check Card

FREE first box of checks

Safe deposit box rental - first year FREE

 

FREE online banking and bill pay


FREE First 50 checks


Monthly statement with check images

 

 

 

     

 

 

 

 

 

 

 

  reward_checking


To earn premium rate*, we ask you to:

  • Have One Direct Deposit or ACH Auto Debit posted and settled to your account per Qualification Cycle
  • Receive Your Monthly Statement Electronically
  • Have at Least 10 Check Card Transactions posted and settled to your account per Qualification Cycle (Excluding ATM Transactions)

Account also offers:

  • Free Check Card
  • ATM Fees Refunded Nationwide**
  • Free Online Banking and Bill Pay
  • No Minimum Balance Requirements or Monthly Fees
  • Unlimited transactions

When requirements are not met:

  • Interest is Earned at the Base Rate on Entire Balance

Account continues to offer:

  • Free Check Card
  • Free Online Banking and Bill Pay
  • No Minimum Balance Requirements or Monthly Fees
  • Unlimited Transactions

* Premium rate is paid on a two tier basis:

  • $.01 to $25,000
  • $25,000.01 and over

**ATM fees are refunded on the last day of the qualification cycle when all requirements are met. ATM receipt must be presented for reimbursement of any individual ATM fee of $5 or higher.

***Qualifying transactions must post and settle to the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post and settle to an account from the date the transaction is made.  Intra-bank transfers do not count as qualifying ACH transactions.  The qualification cycle is the period beginning one day prior to the current statement through one day prior to the close of the current statement.

 

free_checking

A no cost, non-interest bearing checking account.

  • No minimum balance & No maintenance fees
  • Unlimited check writing
  • Minimum Initial Deposit - $50
  • CheckCard $5.00/ month or ATM Card $1.50/month

first_with_interest_checking

  • No fee with $1000 daily minimum balance or $2000 monthly average balance ($10/month fee
    will be incurred if balance requirements are not met)
  • FREE CheckCard or ATM card
  • Check images available for $5/month. (Fee is waived if the daily
    minimum balance is maintained or if e-statements are received)
  • Variable interest rate computed on daily balance and paid monthly
  • Minimum initial deposit - $100
  • VIP/VIP Plus members are excluded from all charges
 

payroll_convenience_checking

A checking account designed to provide ease in your banking needs.
Direct Deposit of payroll is required.

  • No minimum balance
  • No monthly fee
  • FREE CheckCard
  • FREE first box of checks

hsa

  • Health Savings Account (HSA)-A special checking
    account that offers tax savings for individuals and
    families who are covered under high deductible
    health insurance plans
  • No minimum balance
  • FREE first 50 checks
  • No fee for six withdrawals per month. $1.00 per
    withdrawal over six.
  • Variable interest rate computed on daily balance
    and paid monthly
  • Monthly maintenance fee $3.00
  • A non-interest bearing checking account designed
    for customers who wish to maintain moderate account
    balances to attain a no charge checking account or
    customers who desire a no minimum balance account
    with a modest fee
  • No fee with $350 daily minimum balance or $2000 monthly
    average balance ($3/month
    and .30/debit fee over 20 debits will be incurred if balance requirements are not met)
  • Check images available for $5/month. (Fee is waived if
    the daily minimum balance is
    maintained or if e-statements are received)
  • Minimum initial deposit - $50
  • Senior Citizens age 60+ with Direct Deposit are excluded
    from the above fees
  • CheckCard or ATM card $1.50/month
  • VIP/VIP Plus members are excluded from all charges