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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 Regular Checking to Super Money Market account, you’ll find the one account that has your best interest at heart.
Regular Checking
Description
High Volume, easy access, transaction account
Requirements
Minimum amount to open $100
Benefits
No Monthly Service Charge Fee for minors or full time students
No per check charge
Cost
Balance maintained to avoid Monthly Service Charge Fee – $500 and above
Balance $499.99 and below anytime during statement cycle – $8 Monthly Service Charge Fee
Senior Citizens 62 and over- $3 Monthly Service Charge Fee
Interest Bearing Checking
Description
High Volume, easy access, transaction account earning interest
Requirements
Minimum amount to open $1,500
Benefits
Interest paid monthly, compounded daily, variable rate
No per check charge
Cost
Balance maintained to avoid Monthly Service Charge Fee – $1,500
Balance $1,499.99 and below anytime during statement cycle – $16 Monthly Service Charge Fee
Super Interest Bearing Checking
Description
High Volume, easy access, transaction account earning interest
Requirements
Minimum amount to open $5,000
Benefits
Interest paid monthly, compounded daily, variable rate
No per check charge
Cost
Balance maintained to avoid Monthly Service Charge Fee – $5,000 & above
Balance $4,999.99 and below anytime during statement cycle – $16 Monthly Service Charge Fee
Money Market Account
Description
Deposit account earning more interest than transaction accounts
Requirements
Minimum amount to open – $1,500
Only 6 transfers from your account per month
Benefits
Interest paid monthly, compounded daily, variable rate
Cost
Balance maintained to avoid Monthly Service Charge Fee – $1,500 and above
Balance $1,499.99 and below anytime during statement cycle – $16 Monthly Service Charge Fee
Super Money Market Account
Description
Deposit account earning higher interest than regular Money Market Account
Requirements
Minimum amount to open – $7,500
Only 6 transfers from your account per month
Benefits
Interest paid monthly, compounded daily, variable rate
Cost
Balance maintained to avoid a Monthly Service Charge Fee – $7,500 and above
Balance $7,499.99 and below anytime during statement cycle – $16 Monthly Service Charge Fee
Passbook Savings
Description
Savings account earning interest with lower minimum balance requirements
Requirements
Minimum amount to open – $25
No outside the bank transactions
Only 6 transfers a month with no more than 9 per quarter
Benefits
Interest paid quarterly, compounded daily, variable rate
No Quarterly Service Charge Fee for minors or full time students
Cost
Balance maintained to avoid Quarterly Service Charge Fee – $100 & above
Balance $99.99 and below anytime during Quarterly statement cycle – $4 Quarterly Service Charge Fee.
Debits in excess of 9 per quarter – .50 an item
Certificates of Deposit (CDs)
Description
Time deposits with higher interest & fixed terms
Requirements
Contact the bank for details
Benefits
Contact the bank for details
Cost
Contact the bank for details
Individual Retirement Accounts (IRAs)
Description
Tax Deferred time deposits with higher interest & fixed terms
Requirements
Contact the bank for details
Benefits
Contact the bank for details
Cost
Contact the bank for details
