Whether you prefer a basic account or a complete package of services, the right checking account is here for you!



No charge for check printing and other benefits, with a low monthly fee.   Earn a competitive interest rate with no monthly fee if your minimum balance is maintained.   All the benefits of Now Checking with a higher interest rate available.  The larger your balance the higher your interest.   Get your checks back with $100 minimum balance. Show your school spirit with our uniquely designed school logo checks or choose your own design.   Free checking designed for customers age 62 and better.   Checking with no minimum balance, no monthly service charge, and we store your checks for you.
Balance to avoid service fees
N/A   $900   $2,500   $100 N/A   N/A   N/A
Monthly service fee
$7.00 flat monthly fee   $10.00 if minimum balance is below $900   $10.00 if minimum balance is below $2,500   $5.00 monthly fee plus 15¢ per debit if minimum is below $100 Free to High School and full-time college students through age 23   N/A   N/A
N/A   All balances earn interest at same rate. Paid monthly   All balances earn interest at a variable rate based on account balance.  Paid monthly   N/A N/A   N/A   N/A
24 Hour Telebank
Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card
No Monthly Fees
Free Check Storage
Other Features
Free personalized checks

Free notary service

Free Accidental Death Insurance
          Checks returned monthly

$100 minimum balance to open

Check/debit card available
        $100 minimum balance to open

Check/debit card available



  • Check Reorder

Harland Clark Check Reorder

  • Mastercard CheckCard*

Use it to get cash at ATMs and to make purchases at merchants accepting VISA Debit cards.  No transaction fee at First State Bank ATMs.

  • Free Telephone Banking

Easy access to account information, 24 hours a day!  Just call 507-357-6000

  • Overdraft Protection*

This handy service saves you the embarrassment and inconvenience of having a check returned.  As for more information.

  • Direct Deposit

Have your regular government check or payroll check automatically deposited into your account.  It saves trips to the bank, and checks are never lost or stolen.

  • Automatic Savings Transfers

It's the easy way to save.  We can help you set up monthly transfers from checking to savings, so your savings grows without your lifting a finger.

  • Automatic Loan Payments

Have loan payments made automatically,  each month, from your checking account.  Saves stamps and gives peace of mind.


*Subject to application approval



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