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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 be reduced by $4.00 for each of 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 12-22 at no charge. The account will be converted to a Preferred Checking account at age 23.

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.

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Mobile Banking App

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

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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.

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MoneyTrack

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

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MoneyPass

With your FSCB Debit Card you will enjoy access to over 37,000 surcharge-free MoneyPass® ATMs across the country. Make convenient deposits without a branch visit at thousands of locations found on our easy-to-use online and app ATM locators. There is no limit to the number of times you can access a MoneyPass® surcharge-free ATM. If it is a MoneyPass ATM, it is free for you to use anytime, anywhere.

Find an ATM Near You

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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!

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