.10% APY* on your balance!

Introducing Elite Checking. Everything you want in a checking account.

Earning these rewards is simple... just use the services we're giving you with the account:

  1. Use your debit card at least fifteen times per cycle for signature based transaction. (Sorry, ATM withdrawals do not count as debit card transactions.)
  2. Establish at least one regular direct deposit of a payroll or government check, or set up an automatic debit.
  3. Receive Electronic Statements, known as e-Statements.
  4. Access Online Banking at least once each cycle.

If you have questions, please visit our Help Center, or contact us for assistance.


The account is an interest bearing account which pays an interest/annual percentage yield in accordance with the First State Bank & Trust rate chart. At the discretion of the bank, and at a time, frequency and interest rate/annual percentage yield determined by the bank, the bank may change the interest rate/annual percentage yield on the account. Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest. $100 is required to open the account but no minimum balance is required to maintain it. Unlimited ATM fees are refunded each statement cycle once qualifications are met. Requirements that need to be met on the account to earn above the base interest/annual percentage yield on balances up to $50,000 are: receive monthly electronic statements, have one ACH direct deposit or payment, fifteen settled debit card signature based Point Of Sale (POS) transactions and log into online banking one time per statement cycle. The bank uses the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks).