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
Opening Deposit: $100
Minimum Balance: $250*
Requirements: None
Interest: None
Statement: Monthly
Features: Free Online Banking

* $250 or $500 average daily balance to avoid $8 fee, sales tax may apply

Express
Opening Deposit: $100 or $25 for students
Minimum Balance: None
Requirements: None
Interest: None
Statement: Monthly
Features: Free Online Banking

Senior
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)

* $100 to avoid $4 fee, sales tax may apply

NOW
Opening Deposit: $1000
Minimum Balance: $1000
Requirements: None
Interest: Earned on Average Daily Balance
Statement: Monthly
Features: Free Online Banking, Free Personal Checks (select designs) with Social Security Direct Deposit

* $1000 to avoid $10 fee, sales tax may apply

Super NOW
Opening Deposit: $2500
Minimum Balance: $2500
Requirements: None
Interest: Earned on Average Daily Balance
Statement: Monthly
Features: Free Online Banking, Free Personal Checks (select designs) with Social Security Direct Deposit

* $2500 to avoid $20 fee, sales tax may apply

Yield Plus Money Market
Opening Deposit: $2500
Minimum Balance: $2500
Requirements: Limit of 6 Debits/Month
Interest: Tiered Interest on Average balance
Statement: Monthly
Features: Free Online Banking, Free Personal Checks (select designs) with Social Security Direct Deposit

* $2500 to avoid $20 fee, sales tax may apply

Club Account Options

 Iowa ClubIowa Gold Club
Opening Deposit$100.00$100.00
Minimum BalanceNo minimum balance requiredNo minimum balance required
Maintenance Charges*$10.00 monthly maintenance charge$5.00 monthly maintenance charge
Requirements and/or RestrictionsNoneFor customers over 55 year of age
InterestInterest Options AvailableInterest Options Available
StatementStatement 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**FreeFree
Additional FeaturesUnlimited 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 ticketsUnlimited 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 ChargeNo 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 ordersNo 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:

Google Play Store    Apple App Store

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. 

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