First Club Checking

This is our most popular account.  You receive a package of beneficial services for a service charge of j

ust $7.50 per month!  The First Club account offers up to 400 free personalized checks per year, unlimited

image checking with statements and images returned monthly, plus these additional benefits:

• Notary Services

• Cashier's Checks (3 per month)

• Money Orders (3 per month)

• Half price on the first year of a safety deposit box rental

• Only $100 minimum deposit is required to open this account

Gold Club**

If you're 55 years of age or older, this account is just right for you.  You will receive many of the free benefits

 of our First Club, but with no monthly service charge.  Plus, your funds will receive interest earnings on collected

balances of $2,000 or more.  Only $100 minimum deposit is required to open this account.

Free Checking

Now you can enjoy all the benefits of a checking account without all the fees!  First State Bank's Free Checking

Account has no minimum balance requirement, and you get a monthly statement.  Only $100 is needed to open

this account.

Platinum Checking**

You can stop worrying about Wall Street with our Platinum checking account.  It's FDIC insured, pays a great rate

of interest and you have unlimited access to your money.  You will also receive a wide variety of free benefits

including checks, debit card, imaged statements, telephone banking, and your first year Safe

Deposit Box rent free!  Minimum balance to open the account and to earn interest is $50,000. 

Image Checking

Receive unlimited check writing and  images of your paid checks each month with the Image Checking Account.

Only $100 is needed to open this account, and the $5 monthly service charge will be waived if the average balance of the account remains above $500.

Image Checking NOW**

For those customers who like to earn interest on their checking account, First State Bank offers an interest bearing account with the convenience of images and statements monthly.  By maintaining an average collected balance of $1000 you will earn interest at the current NOW account rate.  If the average collected balance falls below $1000 a service charge of $7.50 will be imposed each month.  Only a $100 deposit is needed to open this account.

Money Market Checking**

With just a low balance of $1,000 your funds begin earning interest.  Our interest rates are based upon the balance

 in your account, so the higher your balance, the higher your interest rate!  A $10 monthly maintenance fee will be

assessed should your average balance fall below $1,000.  Transactions are limited to 6 per month, 3 of which can

be done by check.  Excess transactions are assessed a $10 per item fee.

*$1,000.00 Minimum Deposit Required To Open

Tiered Rates Based Upon Balance