Skip Navigation Download Acrobat Reader 5.0 or higher to view PDF files.
First State Bank
Online Banking Access
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Business Checking

When it comes to free checking, we’re all business.

One of the keys to running a successful business is keeping profits up and costs down. One of our business checking accounts is a great place to start
Our hard-working accounts offer all the services your business needs, whether you’re expanding or just starting out.

Plus, when you open your new account, you'll get something else: a free gift to say thank you. We'll also buy back your unused check or debit card from another financial institution and apply a $25 credit to your new account.

Welcome to Our Enhanced Business Checking Accounts

Totally Free Business Checking

A free account with all the essentials! No minimum balance or monthly service charge.

Simply Business Checking


For the larger business with moderate account activity and additional services!

Commercial Checking


Our Treasury Management team will design a solution for you!

Want to compare these accounts side by side?

Every new Business Checking account comes with:


  • FREE VISA® Debit Card
  • FREE Basic Online Banking & Bill Pay
  • FREE eStatements
  • FREE Gift to thank you for your business
Plus, we will buy back your unused business checks or debit card from a different financial institution for a $25 credit to your account.


Checking Account Comparison

Account Details

Totally Free Business Checking

  • 200 FREE items per statement cycle
  • No minimum balance
  • No monthly service charge
  • Up to $10,000 per statement cycle FREE in coin and currency deposits or withdrawals, including change orders
  • Fee Schedule

Simply Business Checking

  • No minimum balance
  • Up to 500 FREE items per statement cycle
  • Up to $10,000 per statement cycle FREE in coin and currency deposits or withdrawals, including change orders
  • Excess item and cash over limit fees apply
  • Fee Schedule

Commercial Checking

  • Eligible for earnings credit from deposit balances which may offset monthly service charge
  • Standard fees include: $10 Monthly maintenance fee, 0.012% deposit protection assessment fee (on monthly avg collected balance per acct up to $250,000) plus account activity fees; $0.10 per debit, $0.25 per credit, $0.10 deposited items, cash and loose coin $0.10 per $100, rolled coin $0.05 per roll
  • Business Online Banking with customized Treasury Management Solutions available
  • Other fees may apply as additional service are selected
  • Fee Schedule 

Items include all debits, credits, and deposited items.  If the account exceeds the free items per statement cycle, $10,000 in coin and currency deposits or withdrawals per statement cycle, including change orders, or requires additional regulatory oversight, the Totally Free Business account may be changed to Simply Business Checking and Simply Business Checking may be changed to Commercial Checking both of which include additional fees. 

Unless specified otherwise, customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply. See fee schedule for details.  $25 for checks and debit cards from another financial institution. Your account will be credited at the time checks/debit cards are presented. Free gift provided at the time of account opening. Ask us for details. Bank rules and regulations apply.


To help in opening your new business accounts, we may request the following:

Sole Proprietor/DBA Limited Liability Corp (LLC) Partnership Not-For-Profit Organization Corporation
  • SSN or TIN of Owner
  • TIN of LLC
  • Articles of Organization
  • Operating Agreement
  • TIN of Partnership
  • Partnership Agreement
  • Certificate of Partnership
  • TIN of Organization
  • If incorporated, follow corporation guidelines
  • If Tax-exempt, IRS documentation or tax return
  • If not tax-exempt, authorized letter
  • TIN of Corporation
  • Articles of Incorporation 
Additional documents and/or state registration may also be required. Contact your First State Bank Personal Banker and/or New Accounts Representative for further information.