Banking
Checking Account Options
Find the checking account that fits your lifestyle. Each option is free to open and free year round if you meet the minimum balance requirement.
Regular Checking
Opening Deposit: $100
Minimum Balance: $250* (or $500 average daily balance)
Statement: Monthly – Check Images Included w/ Statement
Features: Free Online Banking
* $8.00 minimum balance fee per statement cycle if balance drops below minimum and/or average daily balance
Express Checking
Opening Deposit: $100 or $25 for students
No Minimum Balance fee
Statement: Monthly – statement only, no images or checks included.
Features: Free Online Banking
Senior Checking
Opening Deposit: $100
Minimum Balance: $100*
Requirements: Must receive social security direct deposit to qualify
Interest: None
Statement: Monthly
Features: Free Online Banking, Free Personal Checks (select designs)
* $4.00 minimum balance fee per statement cycle if balance drops below minimum
NOW Checking
Opening Deposit: $1000
Minimum Balance: $1000
Requirements: None
Interest: Earned on Average Daily Balance
Statement: Monthly
Features: Free Online Banking, and Free Personal Checks (select designs) available with Social Security Direct Deposit—available to eligible account holders, but not required to open the account
* $10.00 minimum balance fee if account drops below minimum
Super NOW Checking
Opening Deposit: $2500
Minimum Balance: $2500
Requirements: None
Interest: Earned on Average Daily Balance
Statement: Monthly
Features: Free Online Banking, and Free Personal Checks (select designs) available with Social Security Direct Deposit—available to eligible account holders, but not required to open the account
* $20.00 minimum balance fee if account drop below minimum balance
Yield Plus Money Market Checking
Opening Deposit: $2500
Minimum Balance: $2500
Requirements: Limit of 6 Debits/Month
Interest: Tiered Interest on Average balance
Statement: Monthly
Features: Free Online Banking, and Free Personal Checks (select designs) available with Social Security Direct Deposit—available to eligible account holders, but not required to open the account
* $20.00 minimum balance fee if account drops below minimum balance
Club Account Options
| Iowa Club Checking | Iowa Gold Club Checking | |
| Opening Deposit | $100.00 | $100.00 |
| Minimum Balance | No minimum balance required | No minimum balance required |
| Maintenance Charges* | $10.00 monthly maintenance charge | $5.00 monthly maintenance charge |
| Requirements and/or Restrictions | None | For customers over 55 year of age |
| Interest | Interest Options Available | Interest Options Available |
| Statement | Statement is available monthly and includes check images. E-statements are available to internet banking users by enrolling in e-statements. | Statement is available monthly and includes check images. E-statements are available to internet banking users by enrolling in e-statements. |
| ATM or Debit Card** | Free | Free |
| Additional Features | Unlimited check writing, free personalized checks, select designs, Identity Theft Monitoring & Resolution Service1, 24-Hour Accidental Death & Dismemberment Insurance2, Cellular Telephone Protection2, Debit Advantage®2, Health Discount Savings1 (This is NOT insurance), $hopping Rewards™1-available online only, Travel & Leisure Discounts1-available online only, VIP Concierge Service, Roadside Assistance Expense Reimbursement2, Adventureland discount tickets | Unlimited check writing, free personalized checks, select designs, Identity Theft Monitoring & Resolution Service1, 24-Hour Accidental Death & Dismemberment Insurance2, Cellular Telephone Protection2, Debit Advantage®2, Health Discount Savings1 (This is NOT insurance), $hopping Rewards™1-available online only, Travel & Leisure Discounts1-available online only, VIP Concierge Service, Roadside Assistance Expense Reimbursement2, Adventureland discount tickets |
| Services Available at No Charge | No charge back fees, free notary services, direct payment of utility bills and real estate taxes, 50% discount on wire transfers, free photocopies, bank by mail, IRA assistance, money orders | No charge back fees, free notary services, direct payment of utility bills and real estate taxes, 50% discount on wire transfers, free photocopies, bank by mail, IRA assistance, money orders |
*sales tax may apply
**subject to credit approval
1 Registration required
2 The description herein are summaries only and do not include all terms, conditions, and exclusions of Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.
It’s secure.
It’s free.
It’s where you need it!
Now Available for Android and iPhone:
Free On-The-Go Banking
Demand a banking experience that travels with you? With FSB Mobile App, you gain access to your accounts, anytime and anywhere. From quick peeks at your balances to executing transactions, your money matters are simplified, all within a few taps on your device.
Enjoy these features:
- Account Glance, Anytime, Anywhere: Acquire a swift overview of your accounts, ensuring you’re always in tune with your finances.
- Transfers Made Uncomplicated: Execute one-time or establish recurring transfers between your accounts with ease.
- Your Financial Tale: View your history, keeping track of every transaction, ensuring transparency in your financial journey.
- Mobile Check and Deposit Images: Enjoy the simplicity of depositing checks and reviewing transaction details with crisp clarity.
- Bill Pay in a Click: Manage and pay your bills directly through your smartphone.
The Farmers State Bank of Yale Mobile App brings the bank to you, ensuring your financial endeavors are always secure, straightforward, and synced with your lifestyle.
Explore a banking experience that moves with you, providing a steadfast financial companion in every step of your journey.