Interest bearing account, up to .85% for balances not to exceed $50,000. No minimum balance required and no monthly service charges. Must meet qualifying requirements* Unlimited Foreign ATM fees once requirements met.

*** elite checking: The account is an interest bearing account which pays an interest/annual percentage yield in accordance with the First State Bank & Trust rate chart. At the discretion of the bank, and at a time, frequency and interest rate/annual percentage yield determined by the bank, the bank may change the interest rate/annual percentage yield on the account. Interest will be com-pounded monthly and will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest. $100 is required to open the account but no minimum balance is required to maintain it. Foreign ATM fees are fully refunded once requirements are met. Requirements that need to be met on the account to earn above the base interest/annual percentage yield on balances up to $50,000 are: receive monthly electronic statements, have one ACH direct deposit or payment, fifteen settled debit card signature based Point Of Sale (POS) transactions and log into online banking one time per statement cycle. The bank uses the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks).*