COVID 19 UPDATE Home Products Services Privacy Policy Contact Online Banking Login LOGIN Forgot Username | Password | New User Products Checking Accounts Debit Cards Savings Accounts Certificates of Deposit IRAs Health Savings Accounts Loans ACH Transactions Checking Community First Checking No minimum balance requirement Free statements delivered via email, $2.00 fee for paper statements No monthly activity charge Unlimited check writing Truncated Monthly Statement (Check Images are not available on monthly statements) Community First Priority Checking $5.00 maintenance fee if balance falls below $300.00 in the statement cycle Unlimited check writing Imaged monthly statement (Miniature photocopies of checks are printed on statement.) Community First Now $6.00 maintenance fee if balance falls below the $1,000 balance requirement during statement cycle Imaged monthly statement Please see our 'Rates' page to view account Tier levels Money Market Account If your balance falls below $1,000 on any day during the statement cycle, your account will be subject to a $6.00 service charge. Limitations: You must deposit $1,000 to open this account. You may make an unlimited number of deposits into your account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimitied. Imaged monthly statement. Please see our 'Rates' page to view account Tier levels Community First Gold Checking Must be 50 years of age or older $1,500.00 minimum balance requirement $6.00 maintenance fee if balance falls below $1,500.00 in the statement cycle Imaged monthly statement Unlimited free checks Order Your Checks Online First State Bank now offers online ordering for checks through Harland. You'll find personal checks that match your passion and business checks and forms for your small business. Harland offers check printing, check accessories, business cards and stationery, forms, and other products for small businesses. Harland checks are the most popular checks in the world. Click here to order: Re-Order Checks Debit Cards A Debit Card, also known as a bank card or check card is a plastic payment card that provides the cardholder electronic access to their bank accounts at a financial institution. Debit Cards relay a message to the cardholder’s bank to withdraw funds from a payer’s designated bank account. The card, where accepted, can be used instead of cash when making purchases. Unlike credit and charge cards, payments using a debit card are immediately transferred from the cardholder’s designated bank account, instead of them paying the money back at a later date. Our Debit Cards come with an issue fee of $10, but there are no monthly service charge fees. Inquire with us for more details. Community First Priority Savings Accounts $100.00 minimum balance requirement $5.00 maintenance fee if balance falls below $100.00 requirement during any month. Sign up for e-statements and a $25 monthly transfer from any checking account and the monthly fee is waived. Limitations: You must deposit $100.00 to open this account. You may make an unlimited number of deposits into your account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by draft or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited. Interest rate is calculated by the average daily balance method 18 years or younger no minimum balance or maintenance fee Certificates Of Deposit A certificate of deposit, or "CD," generally requires a minimum initial deposit for a set minimum term. Interest rates for CDs are a fixed rate product. This is a good option for safety and income. Please contact your local branch for rate information. IRAs Select from these IRAs: Traditional IRA Contact your local branch for more information. Roth IRA Contact your local branch for more information. HEALTH SAVINGS ACCOUNT A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high deductible health plan. The funds contributed to an account are not subject to federal income tax at the time of deposit. Funds roll over and accumulate year to year if not spent. HSA’s are owned by the individual, which differentiates them from Health Reimbursement Arrangements that are an alternate tax deductible source of funds paired with standard health plans. HSA funds may currently be used to pay for qualified medical expenses at any time without federal tax liability or penalty. Loans Ask your First State Bank representative about operating lines of credit, intermediate term loans, or long-term agricultural real estate loans. Your cash flow needs can be met with an operating line of credit for crop or livestock expenses, a term loan for machinery or vehicle purchases, or an agricultural real estate loan for the pasture or crop land purchase to grow your operation. Automobile Loans Personal Loans Currently originating loans in Nebraska Consumer Real Estate Loans Sarah Nickerson First State Bank - Cambridge Wade Tysdal Karen Widick First State Bank - Farnam Deb Carlson Kaleb Huxoll First State Bank - Holbrook Jared Baker Deb Stephens Dillon Kauk Community Bank, Alma Jared Baker Jake Noonan Community Bank, Stamford Automobile Loans Shop for your next car with the confidence and knowledge that First State Bank is ready to put you in the driver's seat. We make auto ownership fast and easy with pre-approved loan applications or auto loan financing after you find the car of your dreams. Personal Loans If you're looking to consolidate credit card payments, a consolidation loan from First State Bank can make your life easier. Maybe there's a big vacation in your future--a personal loan from First State Bank can make it possible. Agricultural Loans: To help your farm or ranch grow Ask your First State Bank representative about operating lines of credit for short-term crop input expenses, livestock feed purchases, machinery loans or other daily operational needs. Your cash flow needs can be met with one line of credit to give you the flexibility and freedom you need. A pre-approved limit is set so you have no hassles later when you need the money most. ACH Transactions Automated Clearing House, or ACH, is a financial network that oversees electronic money transfers between banking institutions. This expansive network facilitates common transactions, such as payroll direct deposit, business to business payments and recurring bill payments. An originator starts the transaction by requesting a deposit or payment, and the banking institution sourcing the account transmits information in batches to the receiving institutions. NACHA regulations require the institutions to settle each transaction within one or two business days, depending on the payment method. Contact us if you would like additional information. Farnam 222 Main Street P.O. Box 96 Farnam, NE 69029 P: 308-569-2311 Holbrook 123 Center Avenue P.O. Box 100 Holbrook, NE 68948 P: 308-493-5905 Cambridge 309 Nelson Street P.O. Box 220 Cambridge, NE 69022 P: 308-697-3305 Alma 1108 W 7th P.O. Box 897 Alma, NE 68920 P: 308-928-2929 Stamford 130 Main Street P.O. Box 95 Stamford, NE 68977 P: 308-868-2175 EMAIL THE BANK © 2021 First State Bank. All rights reserved. | Sitemap On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers and bankers can find additional information regarding FDICÃƒÆ’Ã†â€™Ãƒâ€ Ã¢â‚¬â„¢ÃƒÆ’Ã¢â‚¬ ÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢ deposit insurance coverage through the use of the FDICÃƒÆ’Ã†â€™Ãƒâ€ Ã¢â‚¬â„¢ÃƒÆ’Ã¢â‚¬ ÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢ Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDICÃƒÆ’Ã†â€™Ãƒâ€ Ã¢â‚¬â„¢ÃƒÆ’Ã¢â‚¬ ÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢ websiteÃƒÆ’Ã†â€™Ãƒâ€šÃ‚Â¢ÃƒÆ’Ã‚Â¢ÃƒÂ¢Ã¢â€šÂ¬Ã…Â¡Ãƒâ€šÃ‚Â¬ÃƒÆ’Ã¢â‚¬Â¦Ãƒâ€šÃ‚Â¡ Are My Deposits Insured? For more information, visit: http://www.fdic.gov