Checking Accounts

5-4-3 Checking

A 5-4-3 Checking Account from First State Bank offers you:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online with your PC
  • Unlimited check writing
  • No monthly account fee if your balance stays above $400
  • FDIC insurance

Free Checking

A Free Checking Account from First State Bank offers you:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online with your PC
  • Unlimited check writing
  • No monthly fees
  • FDIC insurance 

Bank Club

With a Bank Club Account from First State Bank you'll enjoy:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online with your PC
  • Unlimited check writing
  • $5,000 Identity Fraud coverage*
  • $10,000 accidental death and dismemberment insurance* (Basic Plan)
  • $30,000 accidental death and dismemberment insurance* (Family Plan)
  • Discounts on airline travel, rental cars, cruises and package trips
  • Key tag return service
  • Travel & Entertainment benefits
  • Cash Back member rewards
  • Prescription drug plan
  • Low monthly account fee of $7.50 (Basic Plan)
  • Low monthly account fee of $9.50 (Family Plan)
  • Fee waived for stop payment orders (regular $25.00 each)
  • Fee waived for telephone transfers (regular $2.00 each)
  • Fee waived for fax machine use (regular $3.00 each)
  • Fee waived for photocopies (regular $0.25 each)
  • Fee waived for reissuing lost ATM/Debit cards (regular $5.00 each)
  • Fee waived for traveler’s checks, cashier’s checks, and money orders
  • FDIC Insurance 

 * The insurance products above are:

  • NOT A DEPOSIT
  • NOT FDIC INSURED
  • NOT GUARANTEED BY THE BANK
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 

First Century Club

Exclusively for customers 50 and over, our First Century Club offers you the best in checking:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online with your PC
  • Unlimited check writing
  • Interest paid monthly
  • No monthly fee if your account balance stays above $300
  • Fee waived for traveler's checks, cashier's checks and money orders
  • Discounts on airline travel, rental cars, cruises and package trips
  • Fee waived for stop payment orders (regular $25.00 each)
  • Fee waived for telephone transfers (regular $2.00 each)
  • Fee waived for fax machine use (regular $3.00 each)
  • Fee waived for photocopies (regular $0.25 each)
  • Fee waived for reissuing lost ATM/Debit cards (regular $5.00 each)

Super NOW Checking

A Super NOW Account at First State Bank offers you check writing privileges while your money earns interest:

  • Unlimited access to your account by ATM, phone, or online with your PC
  • Minimum to open: $100
  • Low check charge of only 10 cents per debit
  • No monthly account fee if your balance stays above $1,000

Insured Money Market Account

An Insured Money Market Account from First State Bank lets you earn interest without tying up your money:

  • Minimum to open account: $100
  • Check writing - up to 3 checks per month, then $1 each
  • Transfer funds between accounts - up to 6 per month less the number of checks written, then $ 1 each
  • Interest paid monthly
  • Unlimited access to your account by ATM, phone, or online with your PC
  • Optional automatic transfers from your checking to your savings account

One Account Type I

Our One Account Type I from First State Bank offers you:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online with your PC
  • No monthly service charge if your daily account balance stays above $400
  • Interest paid monthly
  • Maintain a minimum balance of $500 to obtain the disclosed annual percentage yield
  • Optional automatic transfers from your checking to your savings account
  • FDIC insurance

One Account Type II

Our One Account Type II from First State Bank offers you:

  • Minimum to open: $100
  • Unlimited access to your account by ATM, phone, or online wth your PC
  • No monthly service charge if your daily account balance stays above $1,500
  • Interest paid monthly
  • Optional automatic transfers from your checking to your savings account
  • FDIC insurance

Business Checking

A First State Business Checking Account offers you and your business:

  • Minimum to open: $100
  • Unlimited access to your accounts by ATM, phone, or online with your PC
  • FDIC insurance
  • Low monthly fee of $2.00
  • $.08 each debit item
  • $.10 per hundred credit on minimum balance
    (The $.10 credit will not exceed the $.08 debit charge