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Personal Banking

Personal Accounts

Regular Checking

  • Minimum Open Deposit of $200
  • If the daily balance of the account falls below $600.00 any day of the statement cycle, the monthly maintenance fee of $8.00 will be imposed every statement cycle.
  • Unlimited withdrawals/checks
  • Unlimited Deposits can be made
  • Detailed statement with check images
  • Free Tele-Bank Phone Banking
  • Free ATM/Debit Card
  • Free Online Banking with Bill Pay

Premier Club Checking

  • Minimum Open Deposit of $200
  • Potential annual savings of $991.00 through club value discounts. More details available at your local branch.
  • No minimum balance. Monthly club fee of $8.00.
  • Unlimited withdrawals/checks
  • Free personalized checks. Limit restrictions apply.
  • Free cashier's checks. Limit restrictions apply.
  • Unlimited Deposits can be made
  • Detailed statement with check images
  • Free Tele-Bank Phone Banking
  • Free ATM/Debit Card
  • Free Online Banking with Bill Pay

Now Account

  • Minimum Open Deposit of $1,000
  • The Interest rate and Annual Percentage Yield for your account may change at any time
  • Interest will be compounded and credited monthly
  • A maintenance fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00
  • You must maintain a minimum average daily balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed above
  • Unlimited withdrawals/checks
  • Unlimited Deposits can be made

Super NOW

  • Minimum Open Deposit of $2,500
  • The Interest rate and Annual Percentage Yield for your account may change at any time
  • Interest will be compounded and credited monthly, if you close your account before interest is credited, you will not receive the accrued interest
  • A maintenance fee of $6.00 will be imposed every month if the daily balance falls below $25,000.00 any day of the month
  • You must maintain a minimum average daily balance of $2,500.00 in the account each day to obtain the annual percentage yield disclosed above
  • Unlimited withdrawals/checks
  • Unlimited Deposits can be made

Money Market

  • Minimum Open Deposit of $1,000
  • The Interest rate and Annual Percentage Yield for your account may change at any time
  • Interest will be compounded and credited monthly
  • A maintenance fee of $8.00 will be imposed every month if the daily balance falls below $1,000.00 any day of the month
  • You must maintain a minimum average daily balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed
  • With the exception of loan payments to us, you may not make more than six (6) preauthorized, automatic, or telephone transfers (including telephone banking and bill pay, internet banking and bill pay, and Internet banking payments and transfers) each month. Of these six (6) allowable transfers, no more than three (3) may be made by check, draft, debit card, check card or similar order made by the depositor and payable to a third party (provided such transactions are allowed by us for your particular type of account).
  • Unlimited Deposits can be made
  • Excess Debit Fee: you will be charged $8.00 per debit/withdrawal if you exceed the withdrawal limitations on the account
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Savings

Statement Savings

  • Minimum Open Deposit of $200
  • The Interest rate and Annual Percentage Yield for your account may change at any time
  • Interest will be compounded and credited quarterly, if you close your account before interest is credited, you will not receive the accrued interest
  • If the daily balance of the account falls below $10.00 any day of the statement cycle, the monthly maintenance fee of $1.00 will be imposed every statement cycle.
  • Certain withdrawal restrictions apply
  • Excess Debit Fee:  you will be charged $3.00 per debit/withdrawal over 6
  • Unlimited Deposits can be made
  • Free Tele-Bank Phone Banking

Christmas Club

  • Minimum Open Deposit of $20
  • The Interest rate and Annual Percentage Yield is fixed for this account
  • Interest will be compounded and credited annually, if you close your account before interest is credited, you will not receive the accrued interest
  • If the daily balance of the account falls below $10.00 any day of the statement cycle, the monthly maintenance fee of $1.00 will be imposed every statement cycle.
  • You can only make 1 withdrawal from this account and the account must be closed
  • Unlimited Deposits can be made

IRA - Variable Rate & ROTH IRA

  • Minimum Open Deposit of $250
  • The Interest rate and Annual Percentage Yield for your account may change quarterly
  • Interest will be compounded and credited quarterly
  • If the daily balance of the account falls below $10.00 any day of the statement cycle, the monthly maintenance fee of $1.00 will be imposed every statement cycle.
  • Certain withdrawal restrictions apply
  • During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure
  • Unlimited Deposits can be made with a minimum amount of $250
  • Free Tele-Bank Phone Banking
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Certificates of Deposit/IRA Certificates of Deposit

First State Bank Certificates of Deposit are available in a variety of terms. The interest rate and Annual Percentage yield applicable to the various terms offered by our bank may be seen at each bank location. The interest rate and APY will depend on the dollar amount of the certificate purchased and the term selected.

The following restrictions apply to all Certificates of Deposit regardless of the amount or term:

  • The interest rate and APY information provided at account opening will be in effect until the maturity date of the certificate.
  • CDs can have a single maturity or an automatic renewal at the maturity date. If the automatic renewal feature is selected, you will have a 10-day grace period to change your CD account status.
  • Funds may be withdrawn without a penalty within the first 10 days following maturity, or by having the interest automatically transferred to another First State Bank demand or savings account.
  • The annual percentage yield (APY) assumes that the interest remains on deposit until maturity. Any withdrawal(s) of interest will reduce APY earnings.
  • After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
  • Interest will begin to accrue on non-cash items on the day of deposit.
  • The Daily Balance will be used to calculate interest on your account. The Daily Balance for Certificates of Deposit Accounts is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Penalty for early withdrawal:

CD TermApplicable Penalty
Under 1 year1 months' interest
Between 1 and 3 years3 months' interest
More than 3 years6 months' interest

 Interest can be credited to a First State Bank account or paid to you monthly, quarterly, semi-annually, annually, or at maturity as agreed upon. However, if you choose to leave the interest in the CD account and not receive it until maturity, the compounding and crediting information detailed below will apply.

The following CD terms and conditions are available:

TERM90 days or more  
Minimum Opening Deposit$1,000
Minimum Balance to Obtain the APY$1,000
Interest CompoundedAs Agreed
Interest CreditedAs Agreed
TERMLess than 90 days 
Minimum Opening Deposit$1,000
Minimum Balance to Obtain the APY$1,000
Interest CompoundedAt Maturity
Interest CreditedAt Maturity

Personal Loans

At First State Bank, we've designed our range of services around the needs of every individual. Our lending personnel are trained to advise and assist you in securing the type of loan that suits your particular need.  Your choices range from:

  • Auto
  • Equipment
  • Mortgage
  • Real Estate
  • Personal
  • Business
  • Home Improvement
  • And many more with flexible terms and competitive rates

Convenient payment options are also available including an automatic debit from your personal checking account. It only takes a simple application on most loans to get a quick response to your borrowing needs. Our Loan Officers are ready to answer your questions and assist you in determining the loan that is right for you. Contact Us or visit one of our local branches for more details on your next loan.

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ATM/Debit Card

First Check Card

The First Check Card can be used at our ATM's in our branches or at any ATM worldwide. 

Features:

  • Get cash from checking and/or savings no more that $400.00 together.
  • Transfer from checking to savings and from savings to checking.
  • Get information about account balances.

The First Check Card accepted anywhere Visa is accepted, gives you a fast, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your primary checking account without ever having to write a check.  Contact Us or visit one of our local branches for issues with debit cards.

Telephone Banking 

 800 -650-2422

First State Bank makes it easy and convenient to keep track of your finances with Telephone Banking. You can call anytime to check account balances on checking, savings and CDs. Find information on loans and check verification.  Need an operator? No problem. Press "0" and you'll be assisted by one of our staff to help answer or assist you with further financial questions or needs.

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