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Accounts

What account is in your best interest?

When you trust your money to a bank, you want to be sure it’s in an account that’s right for you. One that gives you the most for what you need. That’s exactly why First State Bank has so many accounts to choose from. From Demand Checking to Super Savings to a Super Money Market account, you’ll find the one account that has your best interest at heart.

 

Free Checking

Description

Account with check writing ability.

 

Requirements

  • Minimum balance to open $100

 

Benefits

  • Unlimited check writing ability.

 

Cost

  • No service charge. Monthly statement with no images provided.
Demand Checking

Description

Account with check writing ability.

 

Requirements

  • Minimum balance to open $100

 

Benefits

  • 35 free debit transactions a month

 

Cost

  • No service charge unless balance falls below $300. If balance falls below $300 during the statement cycle, a $5 fee will be imposed. If balance falls below $100 during the statement cycle, a $10 fee will be imposed.
  • An additional flat fee will be charged each monthly statement cycle on transactions depending on the number of debit transactions during the statement cycle. The fee will be determined as follows:
    • 0 to 35 – no charge
    • 36 – 100 – $1.00 item charges
    • over 100 – $2.00 item charges
Demand Commercial Checking

Description

Checking account for business customers.

 

Requirements

  • Minimum balance to open $500

 

Benefits

  • 35 free debit transactions a month

 

Cost

  • No service charge unless balance falls below $500. If balance falls below $500 during the statement cycle, a $10 fee will be imposed.
  • An additional flat fee will be charged each monthly statement cycle on transactions depending on the number of debit transactions during the statement cycle. The fee will be determined as follows:
    • 0 to 35 – no charge
    • 36 – 100 – $1.00 item charges
    • over 100 – $2.00 item charges
NOW Account

Description

A checking account that earns interest.

 

Requirements

  • Minimum balance to open $1,500

 

Benefits

  • Earns interest, which is calculated on the average daily balance method and interest is credited to your account every month.
  • 35 free debit transactions a month

 

Cost

  • No service charge unless balance falls below $1,500. If balance is at least $1,000 but falls below $1,500 during the statement cycle, a maintenance fee of $10.00 will be imposed. If your balance falls below $1,000 during the statement cycle, a $15.00 maintenance fee will be imposed.
  • Accrued interest is forfeited if the account is closed prior to interest being credited.
  • Interest rates may change on your account at our discretion.
  • An additional flat fee will be charged each monthly statement cycle on transactions depending on the number of debit transactions during the statement cycle. The fee will be determined as follows:
    • 0 to 35 – no charge
    • 36 – 100 – $1.00 item charges
    • over 100 – $2.00 item charges
Super Money Market Account

Description

Account that earns interest and offers a tiered interest rate based on your account balance

 

Requirements

  • Minimum balance to open $10,000

 

Benefits

  • Earns interest, which is calculated on the┬ádaily balance method and interest is credited to your account every month
  • Interest rate is tiered, based on your daily balance, allowing you to earn a higher interest rate. Tiers are:
    • Daily balance more than $9,999.99 but less than $50,000
    • Daily balance more than $49,999.99 but less than $75,000
    • Daily balance more than $74,999.99

 

Cost

  • No service charge unless balance falls below $10,000. If balance falls below $10,000, during the statement cycle, a $15 fee will be imposed.
  • Accrued interest is forfeited if the account is closed prior to interest being credited.
  • Interest rates may change on your account at our discretion
  • Transfers from a Money Market account to another account or to a third party by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
  • A withdrawal fee of $5.00 will be charge for each debit in excess of six during the statement cycle.
Money Market Super Savings Account

Description

Interest bearing account with limited transactions.

 

Requirements

  • Minimum balance to open $2,500

 

Benefits

  • Earns interest, which is calculated on the average daily balance method and interest is credited to your account each month.

 

Cost

  • No service charge unless your balance falls below $2,500. If the balance is at least $2,000 but falls below $2,500 during the statement cycle, a $10.00 maintenance fee will be imposed. If your balance falls below $2,000 during the statement cycle, a $15.00 maintenance fee will be imposed.
  • Accrued interest is forfeited if the account is closed prior to interest being credited.
  • Interest rates may change on your account at our discretion.
  • Transfers from a Money Market account to another account or to a third party by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
  • A withdrawal fee of $5.00 will be charged for each debit in excess of six during the statement cycle.
Savings Account

Description

Account designed to encourage savings, earning interest.

 

Requirements

  • Minimum balance to open $100

 

Benefits

  • Earns interest, which is calculated on the average daily balance method and interest is credited to your account every quarter

 

Cost

  • Withdrawal fee of $1.00 will be imposed for each debit in excess of six during the quarter.
  • Accrued interest will be forfeited if the account is closed prior to interest being credited
  • Transfers from a Savings account to another account or to a third party by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
  • Interest rates may change on your account at our discretion