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3.00% Reward Checking Account at First State Bank in New York - Local Only

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First State Bank is offering a high-yield reward checking account called e-z Money Checking. It has the following rates if certain monthly requirements are met:

  • 3.00% APY on balances up to $30,000
  • 1.00% on portion of balance over $30,000
  • 0.20% base rate if requirements are not met

The monthly requirements include:

  • 10 debit card purchases
  • 1 ACH credit or debit
  • Receive e-statements and maintain a valid email address

There's no mention of ATM fee refunds on the bank's website. However, its sister bank which has this same account refunds ATM fees up to $20 per month if the requirements are met (see post).

It appears that a branch visit is required. Branches are located in Canisteo and Hornell, New York.

The bank's ratings for safety and soundness are strong: 5 stars (superior) at BauerFinancial (based on 9/30/09 data) and 4 stars (sound) at Bankrate.com (based on 6/30/09 data). The bank has been a FDIC member since 1934 (FDIC Certificate # 591). The bank is part of the holding company Citizens and North Corporation. Citizens & Northern Bank in Pennsylvania is also a subsidiary of this holding company.

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation, please refer to the reward checking section of DepositAccounts.com. To learn more about reward checking, please refer to this reward checking overview.


  Tags: New York, First State Bank (NY), checking account, reward checking account

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