First State Bank has a long tradition of service and we take pride in satisfying our customers' needs. Take advantage of the perfect account suited for your lifestyle. Whether you're just starting college or preparing to retire, we have an account designed just for you.  We offer checking accounts that are interest bearing, non-interest bearing, and we also have low or no-fees at all. For qualified checking accounts we do offer overdraft privilege.

Product Selector

Every new personal checking account includes:

• Free Debit Card
• Free Online Banking
• Free Bill Pay
• Free Mobile Banking
• Free eStatements with Online Check Images
• Free Thank You Gift^*

* We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-Misc. Free gift provided at account opening.

Other fees such as non-sufficient funds, overdraft, etc. may apply. See our fee schedule for details. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask us for details.

*We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.

Debit Card

The First State Bank debit card gives you a faster, more economical, more convenient way to buy the products and services you need. Using your debit card is like writing a check - only better. That's because it allows you to withdraw funds from your checking account without ever having to write a check. You can purchase groceries, gas, or anything else wherever VISA^® is accepted. Plus, the debit card performs all the functions of an ATM card. It's your checking, withdrawing, and transferring funds card - and it fits in your pocket.

Forget having to round up your checkbook, a pen, or identification. With your First State Bank debit card, every purchase is simple. To make a purchase with your debit card, select credit on the terminal, and swipe or insert your card. The funds for the purchase are automatically debited from your First State Bank checking account.

There is no need to worry when you're out of town, because your local checks may not be welcomed. Avoid the hassle of checks and use your First State Bank debit card. Unlike paper checks, your card is accepted wherever you see the VISA^® logo. Eliminate the need to purchase paper checks by using a check debit card. The First State Bank debit card saves you money in check printing fees, while it saves our valuable natural resources.

If your check debit card is lost or stolen, contact the bank immediately. If you are calling after regular banking hours to report a lost or stolen card, call 1-800-791-2525. As an added safeguard, we provide a cap on your liability if your card is lost or stolen. Contact us for details, and a disclosure. Each month, you'll receive an account statement that includes the date, location, and amount of every transaction you've made with your card.

Start enjoying the freedom and convenience provided by our debit card, which has no monthly fee. With Instant Issue, in most cases, you can receive your new card and PIN upon request. You can change your assigned PIN by bringing it by one of our convenient locations. Your PIN will keep you secure against unauthorized transactions on your account. Contact us for more information, or visit one of our convenient locations.

VISA is a registered trademark of VISA International Services Association.

Overdraft Privilege

Overdraft Privilege (ODP) is a courtesy service provided to qualifying customers. With Overdraft Privilege, First State Bank will pay your insufficient funds (NSF) checks, ACH, and Debit Card transactions up to a pre-approved limit as long as your account remains in good standing.

If you choose to use Overdraft Privilege there is no monthly fee. However, you will be charged the normal per item NSF/Overdraft handling fee as set forth in your account's Terms and Conditions--the same as if we returned your check or transaction unpaid. Your Available Balance will always be shown without the funds available with Overdraft Privilege.

You will be notified by mail or electronically of any NSF/Overdraft item(s) we have paid or returned; however, we have no obligation to notify you before we pay or return any item(s). This service will save you time and the additional fees charged by many companies when a check is returned for insufficient funds.

ODP is available at the bank's discretion up to $750.00 on all consumer transaction accounts.

Please refer to the Fee Schedule for normal charges.