Locations • Calculators • Contact Us SERVICES LOANS EBANKING RESOURCES COMPANY Consumer Checking E-Simple Checking No Hassle Account with No Fees $25 Minimum Balance to Open Account No Service Charge No Minimum Balance Requirements Unlimited Check Writing No Fee for INSTANT ATM / Debit Card at Account Opening (upon approval) No Fee for On-Line Banking (Required) / Bill Pay No Fee for Mobile Banking / Mobile Deposit On-Line Paperless Statements Are Required Mailed Paper Statements $2.00 per Statement Cycle Check Prices will vary depending on Style & Quantity 62 Years Plus receive 2 Packages of Wallet Blue Safety Paper Checks at no cost per calendar year. 50% Discount (first year) on Safe Deposit Box (3x5) or a (3 x 10) First Rate Checking Pays like a CD, Works Like Checking! Unlimited Check Writing $1000 Minimum Deposit to Open Account Maintain $1000 Daily Balance to Avoid $10.50 Balance requirement fee Receive “Privileged Interest* Rates on Daily Collected Balance, Compounded and Credited Monthly. No Fee INSTANT ATM / Debit Card at Account Opening (upon approval) 50% Discount on Safe Deposit Box Rental for First Year (or upgrade existing box) No Fee On-Line Banking / No Fee Bill Pay No Fee Mobile Banking /Mobile Deposit Services Variable Interest Rate Flex Checking Searching For Identity Theft Coverage, Credit Monitoring, Cell Phone Insurance?…..This May Be The Account! NOTE: Each Statement Cycle the Fee Reduction(s) may potentially reduce the Balance Requirement Fee to a Range from $0.00 to $6.50. No Fee Reduction Over $6.50. Unlimited Check Writing $50 Deposit to Open Account No Minimum Balance Requirements No Fee INSTANT ATM / Debit Card at Account Opening (upon approval) No Fee On-Line Banking / Bill Pay No Fee Mobile Banking / Mobile Deposit ID Protect – Identity Theft Protection Cellular Telephone Insurance Credit Monitoring No Cost Monthly Imaged Paperless On-Line Statement, E-Mail, $2.00 per statement Cycle for Paper Statement via (USPS) $6.50 Monthly Maintenance Fee at each statement cycle, but may be reduced or eliminated by: PAPERLESS STATEMENT $2.50 Credit (1) per Statement Cycle DEBIT CARD $2.00 Credit Per Statement Cycle with 10 or More Sign & Swipe Transactions – Must Post During Statement Cycle & Limited to Only One of The Following Fee Reductions. DIRECT DEPOSIT $2.00 Credit (Limit: One Fee Reduction Per Statement Cycle) MOBILE DEPOSIT $2.00 Credit (Limit: One Fee Reduction Per Statement Cycle) Now Account Checking Easy Checking …Easy Interest Unlimited Check Writing $600 Minimum Deposit to Open Account Maintain $600 Daily Balance to Avoid $10.00 Balance Requirement Fee No Fee INSTANT ATM -Debit Card at Account Opening (upon Approval) Earn Interest* on Daily Collected Balance at Current Checking Rate* No Cost Monthly Imaged Paperless On-Line Statement, E-Mail, Paper Statement via (USPS) No Fee Mobile Banking / Mobile Deposit No Fee On-Line Banking / Bill Pay Variable Interest Rate Money Market Checking Keep Your Assets Liquid, While Earning Interest $10,000 Minimum Deposit To Open Account Maintain $10,000 Minimum Daily Balance to Avoid a $10 Balance Requirement Fee Earn Interest* On The Daily Collected Balance At Current Checking Rate* Six (6) Withdrawal Limitations Per Statement Cycle Excessive Withdrawal Fee of $10 each after 6 No Fee ATM / INSTANT Debit Card at Account Opening (upon Approval) No Fee On-Line Banking & Bill Pay No Fee Mobile Banking / Mobile Deposit Monthly Imaged Statement Paperless via On-Line Banking or E-Mail Statements or Paper Statements via USPS Variable Interest Rate Tiered Money Market Account Mirrors the Money Market Checking With Balance & Interest* Advantages $10,000 Minimum Deposit To Open Account Maintain $10,000 Minimum Daily Balance to Avoid a $10 Balance Requirement Fee Six (6) Withdrawal Limitations Per Statement Cycle Excessive Withdrawal Fee of $10 each after Six (6 ) No Fee INSTANT ATM Debit Card at Account Opening (upon Approval) No Fee On-Line Banking & Bill Pay No Fee Mobile Banking / Mobile Deposit Monthly Imaged Statement Paperless via On-Line Banking or E-Mail Statements or Paper Statements via USPS Interest Rate and Annual % Yield(APY) is determined according to balance tiers. Tiers to determine rate/APY are: Balances Through $9,999.99 Balances Through $10,000.00 - $24,999.99 Balances Through $25,000.00 - $49,999.99 Balances Over $49,999.99 $10,000 Minimum Daily Balance maintained to obtain the disclosed APY Variable Interest Rate. Contact a customer service representative for current interest rates and APY Money Matters Checking Earn High Yield Interest Rates* Unlimited Check Writing $100 Minimum Deposit to Open Account No Minimum Balance Requirements No Monthly Service Charge No Fee INSTANT ATM Debit Card at Account Opening (upon Approval) No Fee On-Line Banking / Bill Pay No Fee Mobile Banking / Mobile Deposit Monthly E- Statement or Paperless Statement via On-Line Banking Receive “High Yield APY”* on Daily Collected Balance, Compounded & Credited Monthly Qualifying Criteria is Required to Earn “High Yield” Interest Rates* Post A Minimum of 10 Cleared Debit Card Transactions Per Statement Cycle Access Your Account On-Line One (1) Time per Statement Cycle One of the Following Must Post & Settle During the Statement Cycle... - A Direct Deposit - Minimum of One (1) On-Line Bill Pay OR - One (1) Automated Clearing House (ACH) Transaction Minimum of One(1) Recurring Internal Transfer or Loan Payment Transfer either through the Automated Transfer System (ATS) or through First State Bank’s On-Line Banking and must Post and Settle During the Statement Cycle. If the Account Requirements Are Not Met for the Statement Cycle, the Account will earn 0.05% APY* for the Cycle. Variable Interest Rate For Additional Accounts, Products, and Fee Schedule, please contact a Customer Service Representative at Any First State Bank Branch Location. *Interest will be compounded and credited monthly on checking Accounts. Your interest rate and Annual Percentage Yield is subject to change. *Accrued Interest on the account will be paid monthly and at account closing. *Daily Balance Method: This method applies a daily periodic rate to the principal in the account each day *Interest begins to accrue no later than the business day First State Bank receives credit for the deposit of non-cash items (checks). We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. If the Account Balance falls below the minimum daily balance requirement to avoid service charge anytime during the statement cycle on First Rate, Active Assets, the interest rates and Annual Percentage Yield will be reduced. Dormant Accounts: An account is Dormant if for one (1) year the customer has made no withdrawals or deposits to the account. First State Bank has received no communication about any of the customer’s accounts or the statements are returned for incorrect address. The Dorman Account fee is $5.00 and is charged monthly. Member FDIC Equal Housing Lender Online Banking Login SERVICES Home Checking Savings Loans Mobile Banking Bill Pay Calculators COMPANY Contact Us Locations Privacy Policy FDIC Information Disclosures Get Acrobat Reader Site Map DOWNLOAD OUR APP Our native app is fast, secure and free. Use your current login information to start banking today. ©Copyright 2021 First State Bank All rights reserved.