Your Business Checking Options

Because we operate on a regional level, our specialized team members get to know account holders personally, forming a collaborative partnership dedicated to exceeding your banking needs.

Each account includes great complimentary features:

Business Debit Card - Receive your free debit card the same day you open your account.¹
Online Banking and Bill Pay (previously iPay)
eStatements
Return of Check Images for Easy Record-Keeping

Absolutely Free Business Checking, Business Interest Checking and Commercial Checking each offer unique features and services. Compare them below.

Absolutely Free Business Checking

Ideal for many small businesses:

No minimum balance
No monthly fee
500 FREE monthly transaction items*
Up to $10,000 in currency deposits per month FREE^

Business Interest Checking

Perfect for qualifying sole proprietorships and not-for-profit organizations:

Competitive interest⁺
500 FREE monthly transaction items*
Only $1,500 minimum balance to avoid a low monthly fee of $6
Up to $10,000 in currency deposits per month FREE^

Commercial Checking

For businesses with complex banking needs:

Earnings credit allowances⁺ on deposit balances may offset activity fees
Only $15 monthly fee
Transaction items* are only 15¢
Currency deposits are only 50¢ per strap and coin deposits are only 15¢ per roll

*Transactions include all debits and credits. If the Absolutely Free Business Checking or Business Interest Checking account exceeds 500 free monthly transactions, the account may be converted to another checking product.
^Includes coin and currency. If the Absolutely Free Business Checking or Business Interest Checking account exceeds $10,000 free monthly coin and currency, the account may be converted to another checking product.

+Contact a First State Bank & Trust Customer Co., Inc. Service Representative for current annual percentage yield.

¹Debit card orders for FSBT’s Charleston location will be fulfilled in Sikeston and delivered within one business day.

To assist in opening your new account, we may request the following:

Sole proprietorship – SSN or TIN of owner
Limited Liability Company (LLC)
- TIN of LLC
- Articles of organization
- Operating agreement
Partnership
- TIN of partnership
- Partnership agreement
- Certificate of partnership
Not-for-Profit Organization
- TIN of organization
- If incorporated, follow corporation guidelines
- If tax-exempt, IRS documentation or tax return
- If not tax-exempt, authorization letter
Corporation
- TIN of corporation
- Articles of incorporation