Locations/Hours • Contact Us • Internet Safety • Order Checks • Home PERSONAL COMMERCIAL LENDING ABOUT US CALCULATORS You are here: Personal ⁄ Checking Personal Checking Accounts Regular Checking Account You must deposit $100.00 or more to open this account. This is a tiered account. No monthly service charge will be assessed if your balance is $500.00 or more each day of the statement cycle. Monthly service charge will be assessed as outlined below if the balance falls below the stated threshold on any given day within the statement cycle: $ 6.00 plus $0.10 per debit item if balance in the account falls below $500.00 $ 7.00 plus $0.10 per debit item if balance in the account falls below $300.00 $10.00 plus $0.10 per debit item if balance in the account falls below $100.00 For primary account holders 62 years of age or older, service charges are waived Monthly statements with check images ATM/Debit card available Overdraft Service ("Courtesy Pay") included with this account No transaction limitations apply to this account First Rate Account You must deposit $100.00 or more to open this account. Monthly service charge varies based on the level of AD&D insurance purchased: $10,000 AD&D....$10.00 per month* $20,000 AD&D....$11.00 per month* $30,000 AD&D....$12.00 per month* Personalized “First Rate” checks - 2 free boxes per year Monthly statements with check images ATM/Debit card available Overdraft Service ("Courtesy Pay") included with this account No transaction limitations apply to this account *Insurance in this account is subject to policy eligibility, terms, and exclusions. It is not insured by any other federal government agency. There is no First State Bank of Odem guarantee and it is not a deposit. *Seniors 62 years of age or older - ½ monthly service charge Golden Owl Money Market Account You must deposit $2,500.00 or more to open this account No monthly service charge as long as account maintains minimum daily balance of $2,500.00, otherwise a service charge of $15.00 per month is imposed if balance falls below $2,500.00 You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. Interest compounded on daily balance & credited to account monthly An excessive transaction charge of $10.00 will be assessed and added to the monthly service charge for each debit transaction in excess of 6 per month. Monthly statement with check images Interest rates subject to change NOW Account You must deposit $1,500.00 to open this account This is a tiered account. Monthly Service charge varies by daily balance: If the balance is at least $1,500.00 each day of the statement cycle, there is no monthly service charge (debit fees > 20 items may apply). If balance is between $1,000.00 and $1,499.99 any day of the statement cycle, the monthly service charge is $6.00 plus $0.20 per debit > 20. If balance is less than $1,000.00 any day of the statement cycle, the monthly service charge is $7.00 plus $0.20 per debit > 20. You must maintain a minimum daily balance of $1,500.00 in the account each day to obtain the current annual percentage yield. Monthly statements with check images Interest compounded on daily balance & credited to account monthly No transaction limitations apply to this account Interest rates subject to change Online Banking Login Introducing... Savings Made Simple Ask your First State Bank of Odem New Accounts representative for additional details! Contact Us MAIN OFFICE: 201 Main St., Odem, TX 78370 Phone: 361-368-2651 | Fax: 361-368-2047 View all our locations Lost/Stolen Debit Card Disclosures & Notices Privacy Policy/Filing a Complaint Site Map Director Access Download Adobe Acrobat Copyright 2021 by First State Bank of Odem • All Rights Reserved.