First State Bank offers a wide variety of deposit products to meet your needs. Below is a listing along with brief descriptions. You will find our rates to be very competitive! Call or come by to visit with us about which deposit products are right for you.

• Regular Checking Account
• NOW Checking Account
• Money Market Checking Account
• Commercial Checking Account
• Basic Checking Account
• Savings Account
• Certificates of Deposit
• Traditional Individual Retirement Accounts
• Roth Individual Retirement Accounts
• Coverdell Education Savings Account

Regular Checking Account

• Unlimited Check Writing
• $200 Minimum Opening Balance
• ATM / Debit Cards Available
• FirstPay Overdraft Privilege

NOW Checking Account

• Accrues Interest Monthly (see our current deposit rates)
• $2000 Minimum Opening Balance
• ATM / Debit Cards Available
• FirstPay Overdraft Privilege
• Limited to 20 Debits per Statement Cycle

return to top

Money Market Checking Account

• Accrues Interest Monthly (see our current deposit rates)
• $1000 Minimum Opening Balance
• ATM / Debit Cards Available
• FirstPay Overdraft Privilege
• Limited to Six Debits per Month

Commercial Checking Account

• $200 Minimum Opening Balance
• ATM / Debit Cards Available
• FirstPay Overdraft Privilege
• Unlimited Check Writing Privilege

Basic Checking Account

• No Minimum Opening Balance
• No Monthly Service Charge
• FirstPay Overdraft Privilege
• ATM / Debit Cards Available
• Consumer Accounts Only
• No Images Returned with Statement

return to top

Savings Account

• Minimum Opening Balance of $200
• Interest credited quarterly (see our current deposit rates)
• Limited to six transfers per quarter

Certificates of Deposit

• Wide Variety of Maturities (thirty days to two years)
• Premium Rates for "Jumbos" (over $100,000.00)
• (see our current deposit rates)

Traditional Individual Retirement Accounts

• Pre-tax Contributions
• Contribute up to $4000 annually ($5000 if over age 50)
• Minimum Opening Balance of $1000
• (see our current deposit rates)

Roth Individual Retirement Accounts

• After-tax Contributions
• Contribute up to $4000 annually ($5000 if over age 50)
• Minimum Opening Balance of $1000
• Tax-free Distributions
• (see our current deposit rates)

Coverdell Education Savings Account

• Contribute up to $2000 annually
• Minimum Opening Balance of $1000
• Tax-free Distributions

return to top