Free Business Checking


If your preference is a basic business checking account with no frills, Free Business Checking is your choice! This is the most popular business checking account offered at First State Bank & Trust. Free Business Checking is a great fit for many of our customers - those who have been in a business for a number of years and those just starting out. Here are highlights:

  • No service charge and no minimum balance required.
  • If the total of all deposits, deposited items and withdrawals is less than 200 per month, no service charge. If this total is more than 200 items, there is a .30 fee per item. This may mean your business is growing, and Business Checking might be a better fit.
  • E-statements are available, instead of receiving your statements in the mail.
  • Free Visa business debit card.
  • To prevent overdrafts, ask about automatic transfer from another account. To learn more about money management, go to
  • Also available:
    • Merchant Capture - make deposits right from your business.
    • Cash Management - see all accounts through a single log-in, process payroll direct deposit for employees, automatically bill customers and vendors/suppliers, initiate wire transfers and more.

Stop by any of our locations today to open your account. Give us a call at 800/463-7782 or send an e-mail to to learn more.