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.