For over 120 years, First State Bank has been in the business of helping people with all of their Personal Banking needs. From checking and savings to money market, we have accounts that are designed to help you meet all of your financial goals. Our friendly, experienced professionals are part of the community and strive to build relationships for the long term. The opportunity to get to know you, our customer, allows us to tailor products and services specific to your needs, setting you up for personal banking success.
The Relationship Checking Account gives you access to our industry leading account features such as Swipe & Save, Mobile Deposit, Person to Person Payments, and ATM Refunds but does not restrict you with minimum balances or monthly service charges.
| ACCOUNT | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE | MONTHLY SERVICE CHARGE | FREE BASIC CHECKS | IMAGES | SWIPE & SAVE OPTION | SWIPE & SAVE MATCH OPTION | ATM FEE REFUNDS | INTEREST EARNED |
|---|---|---|---|---|---|---|---|---|
ACCOUNT Relationship Checking | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE $0 | MONTHLY SERVICE CHARGE No Service Charge | FREE BASIC CHECKS First Order | IMAGES Images available within digital banking | SWIPE & SAVE OPTION Yes | SWIPE & SAVE MATCH OPTION Yes | ATM FEE REFUNDS Yes(1) | INTEREST EARNED No |
All accounts listed above include Digital Banking, E-Statements and Bill Pay at no charge.
1ATM Refunds limited to a maximum of $12.00 worth of refunds per month. Customer must bring in the ATM receipt within 30 days of the ATM transaction.
2You may make six (6) transfers from your Money Market Account and/or Relationship Savings Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
3Interest is calculated using the daily balance method.
*Combined balances will use Minimum Balances for Savings and Checking Products and Current Balances for Certificate of Deposit Accounts and IRA’s.
Annual Percentage Yield = A.P.Y.
We want to reward you for your relationship with First State Bank. The Relationship Plus Checking Account gives you access to all of our industry leading account features such as Swipe & Save, Mobile Deposit, Person to Person Payments, and ATM Refunds all while you earn interest on your money. The interest rate and annual percentage yield (A.P.Y.) are subject to change at any time. Interest will compound monthly and credited monthly. Minimum balance of $500.00 required to open account.
| ACCOUNT | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE | MONTHLY SERVICE CHARGE | FREE BASIC CHECKS | IMAGES | SWIPE & SAVE OPTION | SWIPE & SAVE MATCH OPTION | ATM FEE REFUNDS | INTEREST EARNED |
|---|---|---|---|---|---|---|---|---|
ACCOUNT Relationship Plus Checking* | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE
$500 | MONTHLY SERVICE CHARGE $5.00/month if balance falls below minimum* | FREE BASIC CHECKS Every Order | IMAGES Images with statements | SWIPE & SAVE OPTION Yes | SWIPE & SAVE MATCH OPTION Yes | ATM FEE REFUNDS Yes(1) | INTEREST EARNED Yes – Tiered(3) |
All accounts listed above include Digital Banking, E-Statements and Bill Pay at no charge.
1ATM Refunds limited to a maximum of $12.00 worth of refunds per month. Customer must bring in the ATM receipt within 30 days of the ATM transaction.
2You may make six (6) transfers from your Money Market Account and/or Relationship Savings Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
3Interest is calculated using the daily balance method.
*Combined balances will use Minimum Balances for Savings and Checking Products and Current Balances for Certificate of Deposit Accounts and IRA’s.
Annual Percentage Yield = A.P.Y.
Our Relationship Savings Account provides you with excellent flexibility and access to your funds. The interest rate and annual percentage yield (A.P.Y.) are subject to change at any time. Interest will be compounded quarterly and credited quarterly. A minimum balance of $100 is required to open this account.
We will waive the minimum balance fee and minimum balance requirements for minors on this account. A minor is defined as any individual under the age of 18.
You may make six (6) transfers from your Relationship Savings Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
| ACCOUNT | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE | MONTHLY SERVICE CHARGE | FREE BASIC CHECKS | IMAGES | DEBIT CARD | ATM FEE REFUNDS | RESTRICTIONS AND LIMITATIONS | INTEREST EARNED |
|---|---|---|---|---|---|---|---|---|
ACCOUNT Relationship Savings** | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE $100 | MONTHLY SERVICE CHARGE $5.00/month if balance falls below minimum** | FREE BASIC CHECKS N/A | IMAGES No Images | DEBIT CARD N/A | ATM FEE REFUNDS N/A | RESTRICTIONS AND LIMITATIONS Withdrawal limits apply(2) | INTEREST EARNED Yes(3) |
All accounts listed above include Digital Banking, E-Statements and Bill Pay at no charge.
1ATM Refunds limited to a maximum of $12.00 worth of refunds per month. Customer must bring in the ATM receipt within 30 days of the ATM transaction.
2You may make six (6) transfers from your Money Market Account and/or Relationship Savings Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
3Interest is calculated using the daily balance method.
*Combined balances will use Minimum Balances for Savings and Checking Products and Current Balances for Certificate of Deposit Accounts and IRA’s.
Annual Percentage Yield = A.P.Y.
Make sure your children are ready for life after school. Whether it’s college, trade school, or a professional certification, your kids can utilize our Visions Savings Account to keep them on financial track for their goals. Once enrolled, they get to accumulate funds for their future endeavors while building healthy saving habits. Give your child a head start for their college journey by starting a Vision Savings account before they turn 18.
Rates may change at any time after the first year. The balance is locked in, so no withdrawals will be allowed until the child reaches the age of 18. A penalty may be imposed if an early withdrawal of funds occurs. When a minor reaches the age of 18, the account will automatically convert to a Relationship Savings account.
| ACCOUNT | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE | MONTHLY SERVICE CHARGE | FREE BASIC CHECKS | IMAGES | DEBIT CARD | ATM FEE REFUNDS | RESTRICTIONS AND LIMITATIONS | INTEREST EARNED |
|---|---|---|---|---|---|---|---|---|
ACCOUNT Vision Savings | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE $0 | MONTHLY SERVICE CHARGE None | FREE BASIC CHECKS N/A | IMAGES No Images | DEBIT CARD N/A | ATM FEE REFUNDS N/A | RESTRICTIONS AND LIMITATIONS Withdraw limits apply 1 | INTEREST EARNED Yes2 |
All accounts listed above include Digital Banking and E-Statements at no charge.
1$100 minimum required to open savings account and $0.01 required to obtain APY. No withdrawals allowed until the child reaches 18. A penalty may be imposed and the Vision Savings closed if early withdrawal of funds occurs. Fees may reduce earnings on account.
2APY is guaranteed for the first year after account opening, rate may change at any time after the first year. Interest is calculated using the daily balance method.
*Combined balances will use Minimum Balances for Savings and Checking Products and Current Balances for Certificate of Deposit Accounts and IRA’s.
Annual Percentage Yield = A.P.Y.
Our Money Market Account lets you earn a higher interest rate on your savings while still allowing you the flexibility to write a limited number of checks. The interest rate and annual percentage yield (A.P.Y.) may change at any time. Interest will be compounded monthly and credited monthly. A minimum balance of $1,000 is required to open this account.
You may make six (6) transfers from your Money Market Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
| ACCOUNT | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE | MONTHLY SERVICE CHARGE | FREE BASIC CHECKS | IMAGES | DEBIT CARD | ATM FEE REFUNDS | RESTRICTIONS AND LIMITATIONS | INTEREST EARNED |
|---|---|---|---|---|---|---|---|---|
ACCOUNT Money Market*** | MINIMUM BALANCE TO AVOID MINIMUM BALANCE FEE $1,000 | MONTHLY SERVICE CHARGE $10.00/month if balance falls below minimum*** | FREE BASIC CHECKS Every Order | IMAGES Images with statements | DEBIT CARD No Charge | ATM FEE REFUNDS Yes(1) | RESTRICTIONS AND LIMITATIONS Withdrawal limits apply(2) | INTEREST EARNED Yes – Tiered(3) |
All accounts listed above include Digital Banking, E-Statements and Bill Pay at no charge.
1ATM Refunds limited to a maximum of $12.00 worth of refunds per month. Customer must bring in the ATM receipt within 30 days of the ATM transaction.
2You may make six (6) transfers from your Money Market Account and/or Relationship Savings Account each statement period, if by preauthorized or by automatic transfer, by telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
3Interest is calculated using the daily balance method.
*Combined balances will use Minimum Balances for Savings and Checking Products and Current Balances for Certificate of Deposit Accounts and IRA’s.
Annual Percentage Yield = A.P.Y.
Ready to start saving? Contact us at 701.746.7766 or stop into any one of our First State Bank locations today!
First State Bank offers MasterCard Debit Cards with no annual fee. Use your debit card everywhere MasterCard is accepted. First State Bank is a member of the MoneyPass Network allowing our customers to use thousands of ATMs all over the country free of charge. We also offer services such as CenterVoice, our telephone banking system that allows you to access your accounts 24 hours a day. Our Digital Banking allows you to transfer money, deposit money, use Person to Person payments and track your spending all from your smart phone or computer. Keep at least the minimum balance in your account to avoid a monthly minimum balance fee.
