First State Bank offers a free, no maintenance fee checking account for Students 18-23, Senior Citizens 65 and over, and anyone receiving a direct deposit into this account.* The minimum deposit to open an account is $50.00.

This account offers you:

• Unlimited check writing
• No annual fee Debit Card
• 50 Free Starter Checks

*Account will automatically be converted to a regular checking account if Direct Deposit is discontinued.

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First State Bank offers a personal checking account with all the benefits and a low monthly service charge. A minimum balance of $400.00 or an average balance of $750.00 incurs no monthly service charge. The minimum deposit to open an account is $50.00.

This account offers you:

• Unlimited check writing
• No annual fee Debit Card
• 50 Free Starter Checks

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First State Bank offers a checking account that earns a current market interest rate calculated on the daily collected balance with interest credited monthly. The normal monthly service charge may be avoided by maintaining a minimum balance of $750.00 or an average monthly balance of $1,500.00. The minimum deposit to open an account is $50.00.

This account offers you:

• Unlimited check writing
• No annual fee Debit Card
• Direct Deposit
• 50 Free Starter Checks

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Home Owners Advantage Checking account earns a current market interest rate calculated on the daily collected balance and interest is credited monthly with a minimum balance of $750.00. No monthly service charges. The minimum deposit to open an account is $50.00.

• Unlimited check writing
• No annual fee Debit Card
• Direct Deposit
• 50 Free Starter Checks
• No fee cashier checks(4 monthly)
• No fee traveler checks
• Free notary service
• No annual fee credit card available
• Ready-Reserve protection available
• Telephone transfer service
• Hometown Phone Connection
• First year free lock box (3x5 based on availability)
• Free automatic transfers and automatic payments

Proof of home ownership is needed to open account. One account per household.

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A paperless internet checking account designed for the electronic minded consumer that pays you a monthly bonus. (We will pay you $10.00 per month for the first six months) This account earns interest monthly with a qualifying balance. The minimum deposit to open an account is $50.00.

• 24/7 access with free online account statements & images
  (We will notify you when your statement is ready)
• 15 free bill pay transactions monthly
• No annual fee ATM/Visa Debit Card
• Direct Deposit
• 50 Free Starter Checks
• Discount on consumer loans with an automatic payment from your checking

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First State Bank can tie your Statement Savings, Money Market, First Investors Account, or Home Equity to your checking account, to protect against overdraft items. A minimum transfer amount of $100.00 and multiples of $100.00 will be transferred to bring the account to a positive balance. A nominal administrative fee will be assessed for each transfer.*

*Federal Regulation D limits telephone, online, and preauthorized transfers (including automatic and wire transfers) to six per statement period on all savings accounts.

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