Checking Accounts

Now Account

There is a minimum opening balance requirement of $600 to open a NOW account.  But, If you maintain at least a $600 daily minimum balance in your checking account, then First State Bank’s NOW checking will earn you interest and avoid an $10.00 balance requirement fee. Here are some other reasons why First State Bank’s NOW checking may be for you: UNLIMITED CHECK WRITING, FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Monthly imaged statements are available as paperless statements (through online banking), email statements or paper statements.  For an even higher rate of interest First State Bank’s Super Now Account is also available.  Eligibility requirements must be met to open this account.

Money Matters Checking

First State Bank Money Matters Checking earn high yield tiered rates by meeting all qualification requirements each statement cycle. $100.00 minimum deposit to open, earn a higher rate of interest, No minimum balance, No monthly service charge, FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Qualifying criteria is as follows: Monthly E-Statement (Electronic Statement) or Paperless Statement, minimum of 10 posted and cleared debit card transaction per statement cycle, access to account online at least once per statement cycle. One of the following must post and settle during the statement cycle: a direct deposit, minimum of one bill pay, or one Automated Clearing House (ACH) transaction. Minimum of one recurring internal transfer or loan payment transfer either through the Automated Transfer System (ATS) or through First State Bank Online Banking must post and settle during the statement cycle.

Active Assets Account

Need the availability of checking and the opportunity of savings? First State Bank’s Active Assets Account offers the best of both! There is a minimum opening balance requirement of $1500.  You must maintain a minimum daily balance of $1500 to avoid a $9.00 balance requirement fee and earn a higher rate of interest. You can have up to 6 withdrawals per month (no more than 6 by check) with no service charge. FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Monthly imaged statements are available as paperless statements (through online banking), email statements or paper statements.

Money Market Account

With this account, not only can you take advantage of money market rates, you can have access to your money when you need it. Here’s how it works: $10,000 minimum opening deposit is required, 6 withdrawals per month are allowed, and there is only a balance requirement fee of $10.00 if the balance falls below $10,000. FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Monthly imaged statements are available as paperless statements (through online banking), email statements or paper statements.

Small Business Checking

First State Bank’s Small Business Checking gives businesses with limited transaction activity the opportunity to open a checking account that will make banking almost painless. There is a $100 minimum deposit to open this account with a monthly balance requirement fee of $8.00 if the daily balance falls below $1000. Our Business Checking offers: 200 free transactions (items) per statement cycle, FREE MasterMoney™ Debit card, Online Banking, Bill Pay, Mobile Banking and Mobile Deposit. Easy accounting with Monthly Imaged Statement with checks organized in numerical sequence, convenient hours and locations. Statements are available as paperless statements (through online banking), email statements or paper statements. Merchants can call the ANYTIME INFOLINE 24 hours a day to verify a check drawn on any First State Bank checking account. Please see a First State Customer Service Representative and request a copy of our disclosure form.

Mobile Banking/Mobile Deposit

Mobile Banking allows a customer to view their accounts using their I-Phone or Android. Login at www.firststatebk.com and download the Apple App or Android App. Need to deposit your check into your Checking or Savings account? First State Bank offers Mobile Deposit from your Mobile Banking App. If you have any questions feel free to stop by or call other Customer Service Representative at your local branch.

Additional Accounts, Products, and Fee Schedule, please contact a Customer Service Representative.

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