Personal Banking Services

MASTERCARD DEBIT CARD*

Use it to get cash at ATMs and to make purchases at merchants accepting MASTERCARD Debit cards. Access no-fee ATMs within the Moneypass Network and Shazam Privileged Status Network, also with no foreign transactions fees.

READY RESERVE LOAN*

Add overdraft protection to your checking account to save any inconvenience or embarrassment from having a check returned. Contact us today for more information.

DIRECT DEPOSIT

Have your regular government check or payroll check automatically deposited into your account. It saves trips to the bank, and checks are never lost or stolen.

AUTOMATIC TRANSFERS

Automate savings and grow your balance without lifting a finger, available from your First State Bank deposit account or other financial institution.

AUTOMATIC LOAN PAYMENTS

Have loan payments made automatically from your First State Bank deposit account, or setup Payments from other financial institutions.

PERSON TO PERSON PAYMENTS**

Send money to an individual. Set up through online banking. All you need is their phone number or e-mail address.

All of your account information at your fingertips via online banking and our mobile banking app.

* Subject to application approval
** Fees May Apply

Checking Options

Whether you prefer a basic account or a complete package of services, the right checking account is here for you!
Click the tabs below to view the different types of accounts.

ADVANTAGE CLUB
NOW
CHECKING
SUPER NOW CHECKING
REGULAR CHECKING
VARSITY CHECKING
HORIZONS CHECKING
FREE
CHECKING

Description: No charge for check printing and other benefits, with a low monthly fee.
Balance to avoid service fees: N/A
Monthly service fee: $7.00 flat monthly fee
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Other Features

Free personalized checks
Free notary service
$5.00 annual discount on Safe Deposit Box rental

Description: Earn a competitive interest rate with no monthly fee if your minimum balance is maintained.
Balance to avoid service fees: $900
Monthly service fee: $10.00 if minimum balance is below $900
Interest: All balances earn interest at same rate. Paid monthly

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card
No Monthly Fees

Description: All the benefits of Now Checking with a higher interest rate available. The larger your balance the higher your interest.
Balance to avoid service fees: $2,500
Monthly service fee: $10.00 if minimum balance is below $2,500
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card
No Monthly Fees

Description: Get your checks back with $100 minimum balance.
Balance to avoid service fees: $100
Monthly service fee: $5.00 monthly fee plus 15¢ per debit if minimum is below $100
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing

Other Features

Checks returned monthly
$100 minimum balance to open
Check/debit card available

Description: Show your school spirit with our uniquely designed school logo checks or choose your own design.
Balance to avoid service fees: N/A
Monthly service fee: Free to High School and full-time college students through age 23
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Description: Free checking designed for customers age 62 and better.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check/Debit Card

Description: Checking with no minimum balance, no monthly service charge, and we store your checks for you.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: N/A

Overdraft Protection Available
Unlimited Check Writing
Free Check Storage Other Features

$100 minimum balance to open
Check/debit card available

Business Banking Services

Enjoy all of the same personal banking services including these additional services:

ONLINE ACH ORIGINATION

Direct Deposit Payroll with simple payroll file upload

REMOTE CAPTURE CHECKS

Upload checks right from your office or business with batch scanning

ONLINE BANKING SECURITY LEVELS

Create and manage permission levels for each of your employees based on employee roles

Savings Services

PASSBOOK SAVINGS
MONEY MARKET ACCOUNT
INVESTOR SAVINGS
CERTIFICATES OF DEPOSIT

Description: Savings with no minimum balance, no monthly service charges.
Balance to avoid service fees: N/A
Monthly service fee: N/A
Interest: All balances earn interest at the same rate. Paid quarterly.

Description: All the benefits of a Passbook Savings with higher interest rates available.
Balance to avoid service fees: $2,500
Monthly service fee: $10.00 if minimum balance is below $2,500
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Description: All the benefits of a Passbook Savings with higher interest rates available.
Balance to avoid service fees: $10,000
Monthly service fee: $10.00 if minimum balance is below $10,000
Interest: All balances earn interest at a variable rate based on account balance. Paid monthly.

Description: Earn a competitive interest rate for the term of your Certificate of Deposit. The First State Bank offers a variety of CD terms from 3 months to 4 years, contact us for current rates.