However you like to manage your money, you’ll find a checking account that makes it easy—with convenient tools like mobile and online banking.

Personal Checking Options
Helpful Benefits
Earns Interest
Opening Deposit
Monthly Service Fee

Preferred Checking

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Full access to your cash without a minimum balance requirement, featuring identity theft protection. IDProtect®

No

$50

Ways to Reduce or Eliminate Monthly Service Fee.

The monthly service charge of $8.00 can  can  be reduced by $4.00 for each for the following services:

  • Electronic Statements
  • Direct Deposit totaling at least $1,000 per month
  • $10,000 in combined average daily ledger balance in personal deposit accounts (includes checking, savings, money market, and CDs)
  • Max reduction is $8

Horizons Club Checking

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The ideal interest-earning account for those 50 and better. Includes exclusive membership into the Horizons Club.
Includes: IDProtect®, earns interest,
one box of club checks per year, 20% off one safe deposit box. Also, no fees for money orders, cashier’s checks, account sweeps, stop payments & domestic wire transfers.

Yes

$50

The monthly membership fee of $8.00 will be waived by meeting one of the following requirements:

  1. Maintaining a direct deposit & 2 qualifying products**
  2. $10,000.00 in the combined average daily ledger balance in personal deposit accounts*

Super NOW Checking

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Earn interest while still having easy access to your funds. Enjoy unlimited check writing and check images with your monthly statement.

Yes

$2500

The monthly service charge of $8.00 will be waived if the average daily ledger balance is $2,500.00 or more.

Student Checking

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Full access to your cash without a minimum balance requirement or monthly service fee.

No

$10

This account is available for ages 15-23 at no charge. The account will be converted to a Preferred Checking account at age 24.

Free eChecking

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Full access to your cash without a minimum balance requirement.

No

$50

Avoid a $4.00 monthly statement fee by signing up for electronic statements.

New Opportunity Checking

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You may have experienced financial trouble in the past. You may have even had trouble opening a checking account. With New Opportunity Checking from First State Community Bank, you can be on your way to financial success.

No

$50; waived for customers without funds setting up government direct deposit.

$7.95 with Direct Deposit, $9.95 without Direct Deposit.

Cash Card - Debit Account

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The Cash Card is ideal for those who need a simple account with debit card access. It's also great for those who have had trouble opening a traditional type of account. Reach for Cash Card for a quick and easy way to pay.

No

$50; waived for customers without funds setting up government direct deposit.

$7.95 with Direct Deposit, $9.95 without Direct Deposit.

Online Banking

Access your accounts and manage your finances conveniently, securely, and on your time. Check balances, pay bills, review account activity, transfer money and more.

Checking Account Tools
Online Banking

Mobile Banking App

The app provides the same online banking access on-the-go, from your mobile device.

Checking Account Tools

Mobile Banking App

Debit MasterCard®

You can pay with the confidence that your accounts are being monitored and protected by a team of fraud specialists in our FSCB Fraud Center.

Checking Account Tools

Debit Mastercard

MoneyTrack

The digital money management tool that helps you to manage your cashflow, set savings goals, categorize expenses, and work towards your financial goals.

Checking Account Tools

MoneyTrack

MoneyPass

The nationwide ATM network that gives you access to cash at over 25,000 ATMs - at no charge. FSCB ATMs allow you to make deposits, check your balances, make transfers & more.

Checking Account Tools

MoneyPass

Save Your Pocket Change

We will round up your debit card transactions to the nearest dollar and deposit the difference into your savings account. You can spend and save!

Checking Account Tools

Pocket Change Program