Personal Checking Account


The First State Bank has four different types of personal checking accounts; learn more about each below. Then contact us or stop by and let any one of our friendly Customer Service Representatives help you with your account.






50+ Interest Checking

A free, interest-bearing checking account for those with any signer, 50 years or better.

- Competitive interest
- Free standard checks
- No minimum balance
- No monthly service charge
- No per check charge


Direct Interest Checking

A free, interest-bearing checking account with the convenience of direct deposit and/or automatic payments. Includes:

- Competetive Interest
- No minimum Balance
- No monthly service charge
- No per check charge

Positively Free Checking

A truly free account for anyone who does not qualify for or want one of our interest-bearing accounts.

- No minimum balance
- No monthly service charge
- No per check charge


Platinum Interest Checking

An account for customers who wish to receive a higher rate when they keep higher balances.

- Competitive interest
- A higher interest rate when balance is always above $1,500
- Free standard checks
- No per check charge
- A low monthly service charge of only $7 if the balance falls below $1,500























NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS


All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.*



*The First State Bank provides the [www.fdic.gov] Web site as a service to the public and Web site owners.

The First State Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within the site. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this Web site is correct, complete, and up-to-date.

Although the The First State Bank Web site may include links providing direct access to other Internet resources, including Web sites, The First State Bank is not responsible for the accuracy or content of information contained in these sites.

Links from The First State Bank to third-party sites do not constitute an endorsement by The First State Bank of the parties or their products and services. The appearance on the Web site of advertisements and product or service information does not constitute an endorsement by The First State Bank, and The First State Bank has not investigated the claims made by any advertiser. Product information is based solely on material received from suppliers.