Preferred Interest Checking

This interest bearing account is for customers looking to earn a competitive, variable interest rate with their everyday checking. You will earn interest every day each period, regardless of your daily balance.

It comes with all our free convenience services, plus lots of extra perks to make life easier, including unlimited transactions and a chance to enroll in UChoose Rewards Program®! Avoid a $12 monthly service charge with a minimum average daily balance of $2,500.

  • Earns a variable interest rate
  • Unlimited check writing
  • No activity fee per check/deposit
  • Free online banking and bill pay
  • Free eStatements with images
  • Free Visa® debit card** with nationwide ATM access
  • 0.25% rate increase on CDs
  • Free notary service
  • Free cashier's checks
  • Avoid a monthly service charge with a minimum average daily balance of $2,500
  • $100 minimum deposit to open
  • Daily balance method used to calculate APY*
  • No minimum balance required to earn APY*
  • Reorder Checks

*APY=Annual Percentage Yield. Because this rate is variable, the interest rate and annual percentage yield may change after the account is opened.

**Effective July 17, 2013 The First State Bank will initiate upgraded debit card fraud protection. By doing so, we can offer you better protection against personal and business debit card fraud. As a result of this upgraded protection, you may see an increase in phone calls and other notifications regarding debit card purchases that meet certain criteria deemed suspicious. Such activity can include purchases made outside of normal card locations, eCommerce transactions and dollar amount specifications. Heightened security will be placed on international purchases as well, so if you intend on traveling outside of the United States, please contact your local branch of The First State Bank.