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Savings Accounts

Get started on your future goals with our savings accounts

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Consumer Checking

E-Simple Checking

  • No Hassle Account with No Fees

  • $25 Minimum Balance to Open Account

  • No Service Charge

  • No Minimum Balance Requirements

  • Unlimited Check Writing

  • No Fee for INSTANT ATM / Debit Card at Account Opening (upon approval)      (Footnote: A)

  • No Fee for On-Line Banking (Required) / Bill Pay

  • No Fee for Mobile Banking / Mobile Deposit      (Footnote: B)

  • On-Line Paperless Statements Are Required

  • Mailed Paper Statements $2.00 per Statement Cycle

  • Check Prices will vary depending on Style & Quantity

  • 62 Years Plus receive 2 Packages of Wallet Blue Safety Paper Checks at no cost per calendar year.

  • 50% Discount (first year) on Safe Deposit Box (3x5) or a (3 x 10)

First Rate Checking

Pays like a CD, Works Like Checking!

  • Unlimited Check Writing

  • $1000 Minimum Deposit to Open Account

  • Maintain $1000 Daily Balance to Avoid $10.50 Balance requirement fee

  • Receive “Privileged Interest* Rates on Daily Collected Balance, Compounded and Credited Monthly.

  • No Fee INSTANT ATM / Debit Card at Account Opening (upon approval)      (Footnote: A)

  • 50% Discount on Safe Deposit Box Rental for First Year (or upgrade existing box)

  • No Fee On-Line Banking / No Fee Bill Pay

  • No Fee Mobile Banking /Mobile Deposit      (Footnote: B)

  • Variable Interest Rate

Flex Checking

Searching For Identity Theft Coverage, Credit Monitoring, Cell Phone Insurance?…..This May Be The Account!

NOTE: Each Statement Cycle the Fee Reduction(s) may potentially reduce the Balance Requirement Fee to a Range from $0.00 to $6.50. No Fee Reduction Over $6.50.

  • Unlimited Check Writing

  • $50 Deposit to Open Account

  • No Minimum Balance Requirements

  • No Fee INSTANT ATM / Debit Card at Account Opening (upon approval)      (Footnote: A)

  • No Fee On-Line Banking / Bill Pay

  • No Fee Mobile Banking / Mobile Deposit      (Footnote: B)

  • ID Protect – Identity Theft Protection

  • Cellular Telephone Insurance

  • Credit Monitoring

  • No Cost Monthly Imaged Paperless On-Line Statement, E-Mail, $2.00 per statement Cycle for Paper Statement via (USPS)

  • $6.50 Monthly Maintenance Fee at each statement cycle, but may be reduced or eliminated by:

PAPERLESS STATEMENT

$2.50 Credit (1) per Statement Cycle
DEBIT CARD

$2.00 Credit Per Statement Cycle with 10 or More Sign & Swipe
Transactions – Must Post During Statement Cycle & Limited to Only One of The Following Fee Reductions.
DIRECT DEPOSIT

$2.00 Credit (Limit: One Fee Reduction Per Statement Cycle)

Now Account Checking

Easy Checking …Easy Interest

  • Unlimited Check Writing

  • $600 Minimum Deposit to Open Account

  • Maintain $600 Daily Balance to Avoid $10.00 Balance Requirement Fee

  • No Fee INSTANT ATM -Debit Card at Account Opening (upon Approval)      (Footnote: A)

  • Earn Interest* on Daily Collected Balance at Current Checking Rate

  • No Cost Monthly Imaged Paperless On-Line Statement, E-Mail, Paper Statement via (USPS)

  • No Fee Mobile Banking / Mobile Deposit      (Footnote: B)

  • No Fee On-Line Banking / Bill Pay

  • Variable Interest Rate

Money Market Checking

Keep Your Assets Liquid, While Earning Interest

  • $10,000 Minimum Deposit To Open Account

  • Maintain $10,000 Minimum Daily Balance to Avoid a $10 Balance Requirement Fee

  • Earn Interest* On The Daily Collected Balance At Current Checking Rate

  • Six (6) Withdrawal Limitations Per Statement Cycle

  • Excessive Withdrawal Fee of $10 each after 6

  • No Fee ATM / INSTANT Debit Card at Account Opening (upon Approval)      (Footnote: A)

  • No Fee On-Line Banking & Bill Pay

  • No Fee Mobile Banking / Mobile Deposit      (Footnote: B)

  • Monthly Imaged Statement Paperless via On-Line Banking or E-Mail Statements or Paper Statements via USPS

  • Variable Interest Rate

Tiered Money Market Account

Mirrors the Money Market Checking With Balance & Interest* Advantages

  • $10,000 Minimum Deposit To Open Account

  • Maintain $10,000 Minimum Daily Balance to Avoid a $10 Balance Requirement Fee

  • Six (6) Withdrawal Limitations Per Statement Cycle

  • Excessive Withdrawal Fee of $10 each after Six (6)

  • No Fee On-Line Banking & Bill Pay

  • No Fee Mobile Banking / Mobile Deposit (Footnote: B)

  • Monthly Imaged Statement Paperless via On-Line Banking or E-Mail Statements or Paper Statements via USPS

  • Interest Rate and Annual Percentage Yield(APY) is determined according to balance tiers.  Tiers to determine rate/APY are:

    • Balances Through $9,999.99 

    • Balances Through $10,000.00 - $24,999.99 

    • Balances Through $25,000.00 - $49,999.99 

    • Balances Over $49,999.99

  • $10,000 Minimum Daily Balance maintained to obtain the disclosed APY

  • Variable Interest Rate.  

Money Matters Checking

Earn High Yield Interest Rates

  • Unlimited Check Writing

  • $100 Minimum Deposit to Open Account

  • No Minimum Balance Requirements

  • No Monthly Service Charge

  • No Fee INSTANT ATM Debit Card at Account Opening (upon Approval) (Footnote: A)

  • No Fee On-Line Banking / Bill Pay

  • No Fee Mobile Banking / Mobile Deposit (Footnote: B)

  • Monthly E- Statement or Paperless Statement via On-Line Banking

  • Receive “High Yield APY”* on Daily Collected Balance, Compounded & Credited Monthly

  • Qualifying Criteria is Required to Earn “High Yield” Interest Rates

    • Post A Minimum of 10 Cleared Debit Card Transactions Per Statement Cycle

  • If the Account Requirements Are Not Met for the Statement Cycle, the Account will earn 0.05 APY* for the Cycle.

  • Variable Interest Rate

*The interest rate and Annual Percentage Yield (APY) is subject to change. Interest begins to accrue no later than the business day First State Bank receives credit for the deposit of non-cash items (checks). The Daily Balance Method: This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly on checking Accounts. Accrued Interest on the account will be paid monthly and at account closing. 

Footnotes

(A) Debit Card provided at account opening Replacement cards may have a fee.

(B) Mobile Deposit Service is subject to 30 day waiting period for review and approval

(C) We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

(D) If the Account Balance falls below the minimum daily balance requirement to avoid service charge anytime during the statement cycle on First Rate, Active Assets, the interest rates and Annual Percentage Yield will be reduced.

(E) Dormant Accounts: An account is Dormant if for one (1) year the customer has made no withdrawals or deposits to the account. First State Bank has received no communication about any of the customer’s accounts or the statements are returned for incorrect address. The Dormant Account fee is $5.00 and is charged monthly.

(F) Any First State Bank checking or savings account may be arranged to sweep to avoid service charge fees or insufficient / overdraft fees at no cost.

For Additional Accounts, Products, and Fee Schedule, interest rates and annual percentage yields (APY), please contact a Customer Service Representative at Any First State Bank Branch Location.

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