Personal Banking
Strength Is Our Tradition, Service Our Goal
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Take advantage of our FREE checking account option- no minimum balance or monthly service fee.
Account Features:
A checking account designed for easy access to your money with low balance minimums and unlimited check writing.
Account Features:
$300 to $400 minimum daily balance…. $3.00
$200 to $300 minimum daily balance…. $4.00
$0 to $200 minimum daily balance…. $5.00
***The monthly service fee is waived for Students and Seniors (age 62+) ***
An interest-bearing checking account for those who write numerous checks and keep a moderate balance.
Account Features:
An interest-bearing checking account for those who write numerous checks and keep a moderate balance.
Account Features:
All First State Bank Consumer Checking Account customers have access to no-fee, 24-hour touch-tone banking, no-fee Online and Mobile Banking, and no-fee Internet Bill-Payment Service. Qualified account holders may receive a Mastercard ATM/debit card with chip technology. Ask a First State Bank representative for details.
Build your short-term savings with our basic deposit account.
Account Features
Other requirements:
One withdrawal per monthly statement cycle, 3 per quarterly cycle are permitted and a $2 per excess transaction fee will be assessed if transaction limits are exceeded.
Saving for a specific goal? Accelerate your savings with Fast Start Savings.
Account Features
Other requirements:
Three withdrawals per quarterly statement cycle are permitted and a $7.50 per excess transaction fee will be assessed if transaction limits are exceeded.
A money market is the best of checking and savings. Write checks or watch your money grow with competitive interest.
Account Features
A little patience can lead to a big payout.
CDs are interest-bearing deposit accounts for individuals that wish to earn a greater rate of interest than available through a regular savings account. Lock in a fixed interest rate on your funds in exchange for agreeing to keep the specified amount of funds in the account for a certain period of time (term).
Terms:
Other Requirements:
Funds in a CD can be withdrawn at any time, however withdrawals made before maturity are subject to an early withdrawal penalty (half the term’s interest that would have accrued). At maturity, there is a 10-day grace period during which funds can be taken out or added without penalty.
Individual Retirement Accounts (IRAs) are special tax-deferred savings plans authorized by the federal government to encourage you to accumulate money for retirement. First State Bank offers Certificates of Deposit as an investment vehicle for IRAs. You may invest in one IRA CD or a series of IRA CDs with varying maturities. We can set up your IRA CD to pay a monthly, quarterly, or annual distribution amount by check, deposited into a First State Bank checking or savings account. Please contact us for more details.
Terms:
Care must be taken when dealing with IRAs and retirement plans to make certain that all tax consequences are considered. Consult with your tax advisor for more details about the use of IRAs and your eligibility to use this valuable retirement planning tool.
Bank on the Go! These days we do everything on our phones, that includes banking…. Check your account, move money, pay bills, deposit checks and more at your convenience, 24/7, wherever you are.
No time to come to the bank, no problem! Use the camera on your mobile device to conveniently deposit a check into your account.