FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
First State Bank is proud of its long-standing commitment to exceptional customer service. We offer a range of checking accounts to fit every stage of life—from students to retirees. Choose from interest-bearing, non-interest-bearing, and low- or no-fee options. Overdraft privilege is available for qualifying accounts.
* We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-Misc. Free gift provided at account opening.
| Product | Premier Interest Checking | 50 Advantage Interest Checking | Direct Interest Checking | Simply Free Checking | Student Checking Account |
|---|---|---|---|---|---|
| Description | An account for those interested in higher interest! | A perfect account for customers 50 and better! | Earn interest with the convenience of direct deposit or any automatic payment! | A FREE account for everyone! | A free account for minors aged 13 – 17 with an adult. |
| Free Standard Wallet Checks | Yes | Yes | No | No | No |
| Interest Bearing | On daily balances of $1,500 or more | Yes | Yes | No | No |
| Minimum Balance | Yes | No | No | No | No |
| Monthly Service Charge | Yes, $6 monthly if minimum balance falls below $1,500 | No | No | No | No |
| Minimum to Open | $50 | $50 | $50 | $50 | $50 |
Other fees, such as non-sufficient funds, overdraft, etc., may apply. See our fee schedule for details. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Bank rules and regulations apply. The minimum opening deposit is $50. Ask us for details. *We reserve the right to substitute a gift of similar value. Free gifts may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
Overdraft Privilege (ODP) is a courtesy service provided to qualifying customers. With Overdraft Privilege, First State Bank will pay your insufficient funds (NSF) checks, ACH, and Debit Card transactions up to a pre-approved limit as long as your account remains in good standing.
If you choose to use Overdraft Privilege there is no monthly fee. However, you will be charged the normal per item NSF/Overdraft handling fee as set forth in your account's Terms and Conditions--the same as if we returned your check or transaction unpaid. Your Available Balance will always be shown without the funds available with Overdraft Privilege.
You will be notified by mail or electronically of any NSF/Overdraft item(s) we have paid or returned; however, we have no obligation to notify you before we pay or return any item(s). This service will save you time and the additional fees charged by many companies when a check is returned for insufficient funds. ODP is available at the bank's discretion up to $750.00 on all consumer transaction accounts. Please refer to the Fee Schedule for normal charges.
The First State Bank debit card offers a fast, convenient, and secure way to make purchases and access your funds. Use it anywhere VISA® is accepted to pay directly from your checking account. It also works at ATMs for withdrawals and transfers. Save time, skip check printing fees, and enjoy nationwide acceptance with one simple card.
If your check debit card is lost or stolen, contact the bank immediately. If you are calling after regular banking hours to report a lost or stolen card, call tel:1-800-791-2525. As an added safeguard, we provide a cap on your liability if your card is lost or stolen. Contact us for details, and a disclosure.