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Today's Featured Mortgage Rates

Fixed Rates
30 Year Fixed Rate
Rate APR Points
4.125% 4.146% 0.000%
20 Year Fixed Rate
Rate APR Points
3.875% 3.903% 0.000%
15 Year Fixed Rate
Rate APR Points
3.375% 3.411% 0.000%

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My Card Creation

With The First State Bank's My Card Creation, you can upload your favorite picture on your FSB debit card for only $7.00. Simply chose any digital photo for your card and upload it to us. Click here for more information

Need to reset your Debit Card PIN? Click here!

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A Bank Customer’s Guide to Cybersecurity - FDIC

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Information on FDIC Insurance
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FDIC Deposit Insurance Coverage

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (For details on the requirements, go to

The ownership categories are:

  • (1) Single Accounts
  • (2) Joint Accounts
  • (3) Certain Retirement Accounts (includes IRAs)
  • (4) Revocable Trust Accounts
  • (5) Corporation, Partnership and Unincorporated Association Accounts
  • (6) Irrevocable Trust Accounts
  • (7) Employee Benefits Plan Accounts
  • (8) Government Accounts

All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. To calculate your deposit insurance coverage, use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at

Having issues with your debit card declining?

If you are expericing debit card denials when running your debit card as a debit (using your PIN number) please see the below.

Due to a vendor processing error, some customers may experience issues running PIN transactions with their debit card. The First State Bank encourages our customers to run transactions as credit to prevent unnecessary denials until our vendor has resolved the issue. We hope to have the issue resolved as soon as possible, and will provide notice on our website when services are back to normal. For any questions, please contact us at (304) 736-5271 or at

We apologize for this inconvenience.