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Personal Checking

First State Bank Central Texas, your hometown bank, is dedicated to providing you and your family with the friendly deposit services you need and deserve.   With our experienced bankers in many convenient locations, we offer many different personal deposit options, each with its own unique benefits, to suit your individual needs.  All of our personal checking accounts come with FREE online banking, FREE bill pay, FREE 24-7 telephone inquiry, and a FREE MasterCard debit card.  Learn more about our personal checking accounts below. 

Regular Checking

A convenient and easy to use account with $100 balance to open.  Features include free online banking with unlimited bill pay, free 24-7 telephone inquiry and a free MasterCard debit card.

For more details, contact a banker near you.

Freedom One Account

Our most popular checking account, Freedom One Account, is the checking account with no minimum balance requirement, unlimited check writing, and 5 free money orders per month all with no service charge. Balance to open is $100.  Additional features include free online banking with unlimited bill pay, free 24-7 telephone inquiry and a free MasterCard debit card.  Enjoy these major features along with the great personal service from your local bank.

For more details, contact a banker near you.

First Advantage Account

Maximize your benefits with our First Advantage Account.  Only $100 to open.    Enjoy free online banking with unlimited bill pay, free 24-7 telephone inquiry, and free MasterCard debit card.  Additional features include free first order of FSBCT standard checks, 5 free money orders per month, and free one year rental on small safety deposit box or cost of same to upgrade to large box (boxes not available at all locations). 

This account also includes Guaranteed Life Insurance in the amount of $5,000 ages 18-70 ($10,000 if death occurs by accidental means).  (Life insurance is not a deposit. Not FDIC insured. May lose principal. Not insured or guaranteed by the bank. Not insured or guaranteed by any federal government agency.)

 In addition, licensed and certified risk managers are available for up to 2 hours of Personal Insurance Analysis to be provided by an affiliate of FSBCT (a $350 value). Just call First Central Texas Insurance at 254-773-1100 to schedule an appointment.

For more details, contact a banker near you.

Money Market Checking

With $1,000 to open, this account allows the flexibility of checking account services while earning interest on your money.  Special features include free online banking with unlimited bill pay, free 24-7 telephone inquiry and a free MasterCard debit card.

For more details, contact a banker near you.

First Advantage Plus Account

Maximize your benefits with our First Advantage Plus Account which earns interest while providing a full complement of checking account services.   Only $2,500 to open.  Enjoy free online banking with unlimited bill pay, free 24-7 telephone inquiry and a free MasterCard debit card.  Additional features include free first order of FSBCT standard checks, 5 free money orders per month, and free one year rental on small safety deposit box or cost of same to upgrade to large box (boxes not available at all locations).

This account also includes Guaranteed Life Insurance in the amount of $5,000 ages 18-70 ($10,000 if death occurs by accidental means) (Life insurance is not a deposit. Not FDIC insured.  May lose principal.  Not insured or guaranteed by the bank.  Not insured or guaranteed by any federal government agency).

In addition, licensed and certified risk managers are available for up to 2 hours of Personal Insurance Analysis to be provided by an a to be provided by an affiliate of FSBCT (a $350 value).  Just call First Central Texas Insurance at 254-773-1100 to schedule an appointment. 

For more details, contact a banker near you.

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