Discover the Checking Account that meets your needs at Farmers State Bank & Trust Co. Whether it’s a free account with all the online perks, an interest-bearing account, or an account which offers AD&D Insurance and free checks, we have an account that’s right for you.


PRIME Free Checking

  • No monthly service charge
  • No minimum required balance
  • FREE Online Banking & BillPay
  • FREE Mobile Banking with the FSB-TC Mobile App
  • FREE Statements (your choice of paper or electronic)
  • Debit cards available
  • $50.00 to open an account


  • Basic ($6/month) or Family ($8/month) plan
  • Accidental death & dismemberment (AD&D) insurance
    • Basic - Up to $10,000
    • Family - Up to $20,000 and $1,500 Dependent Child Coverage
  • Complimentary Checks
  • Complimentary Bill Pay
  • No fees for cashier's checks and money orders
  • 10 (Basic) or 20 (Family) free photocopies per month
  • IDProtect Identity Theft Monitoring and Resolution Service
  • Cellular Telephone Protection
  • Travel and Leisure Discounts
  • Health Discount Savings (this is not insurance)
  • Discounted small safe deposit box for Family plan

*Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
*Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.

NOW Accounts

  • No service charge if average daily balance is over $1,000.00, otherwise $10/mo
  • Unlimited check writing
  • Interest compounded and credited monthly
  • $1,000.00 minimum to open account

Have Questions?

Contact Us for additional details on how to open up your new checking account today!


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