First State Bank

Business Banking

As a locally-owned bank ingrained within our community, we know Breckinridge County, and we support our local businesses. Our business banking services are competitive because we believe by working together we can ensure continued growth for all local businesses, including your own.

See the list of options below to find the account type that is right for you, or give us a call and we’ll help you open your account today. 

Checking Accounts

Our Free N’ Easy Checking account is your perfect everyday checking account, complete with all the functionalities of online banking, mobile banking, debit cards and is non-interest bearing. This is a great, basic checking account to suit your everyday needs.

  • $25.00 minimum to open.
  • No monthly service charge.
  • No required minimum balance.

Other Accounts and Services

Our Business Money Market Account offers you the ability to earn interest while you save and transact. 

  • $2,500.00 minimum to open.
  • Must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
  • A service charge of $7.00 each month if the balance drops below $2,500.00 any day of the month.

A Certificate of Deposit (CD) is a safe and secure way to invest your money. Your return will be your original deposit, plus the interest you earn. The interest paid to you depends upon the current interest rate and the length of time you choose to leave your money on deposit.

  • Maturity terms available from 91 days to 48 months.
  • Minimum to open varies depending upon term length.
  • Fixed interest rate on daily balance until maturity.
  • Interest will be compounded and credited to your account according to the terms of your certificate. You may receive interest by check or deposit to a checking or savings account if requested when opening the account.
  • Online banking access to your certificate of deposits.
  • Ability to combine your certificate of deposit to your monthly checking account statement.

We offer Merchant Accounts!

Our Merchant Service Provider is Merchant’s Pact. For more information, please contact Greg Schlegel.

Greg Schlegel
Director of Sales
Phone: (502) 290.2218

Merchant PCI Compliance Program

PCI Compliance Manager

Login to your merchant account and complete the necessary steps to become certified as compliant.

For assistance, you may contact Compliance Support at 866.957.1807.


Our Cash Management Services are able to help businesses simply and efficiently manage their funds. Our customers depend on effective cash flow in order to maintain operations running smoothly. First State Bank provides services to help every business, regardless of size.

ACH – Deposit or receive funds with multi-user access from your office. Utilizing ACH deposits can make billing or payroll a breeze.  

Bill Pay – Be in control of your own payments. The Business Bill Pay program allows for you to run accounts payable from anywhere.

Merchant Capture – All of the convenience of a teller line in your office. First State Bank’s merchant capture program allows you to deposit checks from your own desk.

Reciprocal Deposits – Would you like to access multi-million-dollar FDIC protection on your deposits, earn interest, and enjoy flexibility at the same time? Now you can through reciprocal deposits.

If you are interested in any of these services, please contact your branch!

All current online banking customers have access to use First State Bank’s mobile banking via the FSB Go App. In order to access mobile banking, you must first sign into your online banking at least one time.

To download the mobile app, visit:

App Store

Google pay

With mobile banking, you have the convenience of viewing account balances and transaction history, transferring funds, and locating nearby branches or ATMs. You can also deposit checks and pay bills on the go! Whether you want to download the app, use our mobile web browser, or simply receive text notifications, we have a mobile banking product that fits your needs. Our new enhanced mobile banking product is fully integrated with our online banking product and uses one convenient set of credentials to log in to either service.

Each First State Bank Business Banking account comes with free online banking, mobile banking, eStatements and bill pay. 

First State Bank is proud to offer several products and services to our customers. Some of these services come with various fees. Please be sure to review the Account Fee Schedule.

Bank Fee Schedule

Online Banking & Bill Pay – Online Banking allows you to view the balance and print recent activity from each of your accounts.

eStatements – To save paper and time, you have the option to receive your statements via online banking. eStatements allow you to view, print and/or save your statements at your convenience.

Autobooks –  Autobooks is a tool for business customers that allows you to send invoices, accept payments and keep track of customers from inside online banking. More info on Autobooks.

Credit Cards – Ask us about our First State Bank MasterCard credit card. This card can be used anywhere displaying the MasterCard logo. Credit card applications are available upon request. See a First State Bank customer service representative for an application, fees and interest rate.

Open an account with us.

Every business is different, and we understand that. In order for us to provide the correct business banking account for you, we would like to encourage you to visit any of our convenient locations in order to speak with someone from our knowledgeable and friendly team.

Loan Applications

Consumer Real Estate

Business / Commercial Real Estate

Non-Real Estate

Skip to content