Checking
Regular Checking Requirements:
- Minimum balance to open – $50.00
Benefits:
- No monthly service charge when daily balance is above $1,500.00
- If daily balance falls below $1,500.00 service charge of $5.00 plus $0.10 per check.
- Monthly statement with imaged cancelled checks. (Statements can also be delivered via online banking if requested.)
- ATM/Visa debit card upon approval.
- Free Online and Mobile Banking with Bill Pay
- There is no monthly service charge for senior citizens 65+ or full-time students.
First Advantage Checking Requirements:
- Minimum balance to open – $50.00
Benefits:
-
- No minimum balance.
- Free Mobile and Online Banking with Bill Pay
- Personalized standard checks at no additional charge. (Some restrictions may apply.)
- Cashiers checks at no issue fee.
- Free Visa debit card upon approval.
- $10,000.00 Accident Death & Dismemberment insurance
- $50,000.00 Common Carrier insurance
- Traveler Assistance Benefits
- Identity Theft 911
- Living Family Journal
- Vision Care Savings.
- Lifelock – This is an optional service and requires separate enrollment at an additional cost on your behalf.
- Savings Made Easy Shopping Network
- Travel Benefits
- Online shopping discounts
- Grocery Coupons
- Entertainment Discounts
- Hotel & Motel Discounts
- Travel Savings
- Prescription Drug Discounts
- LifeLock is available as an optional benefit at a discounted price.
Cost:
- The $10.00 option provides AD&D insurance of $10,000.00. The $12.00 option provides additional coverage to $40,000.00.
- Seniors First Advantage Checking members receive a 50% discount on applicable service charges to $5.00 or $6.00, depending on the insurance option chosen.
NOW Account Requirements:
- Minimum balance to open – $500.00
- No monthly service charge when daily balance is above $1,500.00
- If daily balance falls below $1,500.00, service charge of $15.00
- Interest is compounded and credited monthly
- Monthly statement with imaged cancelled checks. (Statements can also be delivered via online banking if requested)
- ATM/Visa debit card upon approval.
- Free Mobile and Online Banking with Bill Pay
NOW Account Requirements:
- Minimum balance to open – $500.00
- No monthly service charge when daily balance is above $1,500.00
- If daily balance falls below $1,500.00, service charge of $15.00
- Interest is compounded and credited monthly
- Monthly statement with imaged cancelled checks. (Statements can also be delivered via online banking if requested)
- ATM/Visa debit card upon approval.
- Online Banking
Super NOW Account Requirements:
- Minimum balance to open – $500.00
- No monthly service charge when daily balance is above $1,500.00
- If daily balance falls below $1,500.00, service charge of $15.00
- Interest is compounded and credited monthly based upon the following tiers: $0.01 – $2,499.99 and $2,500.00 and over
- Monthly statement with imaged cancelled checks (Statements can also be delivered via online banking if requested.)
- ATM/Visa debit card upon approval
- Online banking
First Advantage NOW Account Requirements:
- Minimum balance to open – $50.00
Benefits:
- No minimum balance
- Online Banking
- Personalized standard checks at no additional charge. (Some restrictions may apply.)
- Cashiers checks at no issue fee
- Free Visa debit card upon approval.
- $10,000.00 Accident Death & Dismemberment insurance
- $50,000.00 Common Carrier insurance
- Traveler Assistance Benefits
- Identity Theft 911
- Living Family Journal
- Vision Care Savings.
- Lifelock – This is an optional service and requires separate enrollment at an additional cost on your behalf.
- Savings Made Easy Shopping Network
- Travel Benefits
- Online shopping discounts
- Grocery Coupons
- Entertainment Discount
- Hotel & Motel Discounts
- Travel Savings
- Prescription Drug Discounts
Cost:
- Monthly service charge $10.00 & $12.00
Savings
Requirements:
- Minimum balance to open – $50.00
Benefits:
- This is an interest bearing account.
Cost:
- Monthly service charge of $3.00 if balance falls below $50.00.
- Transactions to another account or to third parties by preauthorized or automatic transfer are limited to six per month with no more than three by draft or similar order to third parties.
- Additional withdrawals will be $1.00.
Youth Accounts
Requirements:
- Minimum balance to open – $50.00
Benefits:
- No monthly service charge full time students.
- Monthly statements with imaged cancelled checks. (Statements can also be delivered via online banking if requested.)
- ATM/Visa debit card upon approval.
- Free Mobile and Online Banking with Bill Pay
Personal Loans
First State Bank offers a full line of personal loans that can be customized to fit your needs, whether you are financing a new or used car or truck. Our staff is friendly and knowledgeable. We offer competitive rates, negotiable terms and auto draft.
To apply please visit one of our locations.
Additional Services
Online Banking
First State Bank’s Online Banking provides an easy and convenient way to safely manage your personal accounts while living your life on the go. With simple-to-use navigation, and access to our online features and services, you can do your banking anytime, anywhere helping you save time and money.
Free service to First State Bank account holders
Bill Pay service & Remote Deposit Capture functions
Provides security and protection using the industry’s highest security standards
View detailed real-time account information
Search transaction history
Make one-time or reoccurring funds transfers between your accounts
Send secure emails to First State Bank
View and download eStatements and check images
Download account information into personal financial management solutions
Access your accounts 24/7/365 from any computer or mobile device with internet
Debit Card
We offer our customers the convenience of the Visa Debit Card. This card can be used like a check anywhere in the world that Visa is accepted. It can also be used as an ATM card at thousands of locations. If your debit card has been lost or stolen please contact your local branch. If your debit card has been lost or stolen outside of normal business hours, please call 866-842-5208.
Telephone Banking 24-7
- 24-Hour Banking Convenience
- Easy Transfers between Checking & Savings
- Banking made easy from any touch tone telephone
- Call us at (866) 234-2115 and do your banking at any time or place (Long distance charges may apply)
Safe Deposit Boxes
Our vault offers maximum security for your important papers, legal documents, and valuable possessions. Protect them from fire, theft, or loss by selecting a First State Bank safe deposit box at your location. Contents of safe deposit boxes are not FDIC insured.
- Bank By Mail
- Night Depository
- Direct Deposits
- Auto Transfers
- Note Payment Drafts
- Wire Transfers
- Cashier’s Checks
- Fax Services
- Notary
- ATM Services
First State Bank provides the following Electronic Funds Transfers:
- Direct Deposits
- Preauthorized Withdrawals
- Stop Payments
- Telephone Banking
- Mobile and Online Banking with Bill Pay
- ATM Transactions
The customer may make arrangements to have certain direct deposits accepted into their checking account or savings account. The customer may make arrangements to have certain recurring bills paid from their checking account. The customer has the right to stop payments on their account. First State Bank charges $15.00 for each stop payment request.