Checking Accounts

 Secure Checking

Minimum balance to open the account - You must deposit $100.00 to open this

account. There will not be a service charge imposed on the first statement cycle of your

new account.

 

Minimum balance to avoid imposition of fees - If your balance falls below $600.00

on any day in the monthly statement cycle, we will impose a service charge fee of $6.00

once during the statement cycle.

 

If your balance is at least $600.00 on every day in the monthly statement cycle but falls

below $1,000.00 on any day during the monthly statement cycle, we will impose a

service charge fee of $4.00 once during the statement cycle.

 

Maintain a minimum daily balance of $1,000.00 or more during the monthly statement

cycle and eliminate the service charge completely.

 

Ways to reduce your service charge - Sign up for eStatements and your monthly

service charge fee will be reduced by $2.00.

 

Benefits included with account:

IDProtect®

- Up to $10,000 identity fraud reimbursement coverage for expenses associated

with clearing the victim’s name and repairing damaged credit following an

identity theft event.

- Identity theft recovery case plan for victims of identity theft, to inform them about

the restoration of their identity.

- Resolution services - includes toll-free access to a dedicated consumer fraud

specialist that will learn about the victim’s specific incident, will document their

case and will advise on case resolution and will support the victim through full

resolution of their identity.

- Online identity theft education and news center, including valuable resources

and prevention tips.*

- Debit and credit card registration.*

- Total Identity Monitoring.*

- 3-in-1 Credit Report - Credit Report can be requested every 90 days or upon

receipt of a Credit Alert.*

- Triple Bureau Credit File Monitoring.*

- Credit Score - New Credit Score with every new Credit Report requested.*

 

Cellular Telephone Protection

Gas and Gift Cards

Travel and Entertainment Discounts*

$hopping RewardsTM*

* These benefits require member to register and activate or request benefit.

 

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 $30.00 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 $30.00 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
  • 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

 

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