First State Bank

No matter who you are, First State Bank has a checking account that will fit your lifestyle. Which account is right for you? Click here to email a friendly, helpful banker.

Account	Minimum Opening Deposit	Balance to Avoid Service Charge	Service Charge If Min. Not Maintained	Cancelled Checks Returned	Interest Earned	Restrictions & Limitations
No Minimum Checking	$50	No service charge	No service charge	No, checks are safe kept	No	N/A
Regular Checking	$300	$300 daily or $1,000 average(1)	$3.00 per statement cycle plus 10¢ per item	Imaged Statement	No	N/A
NOW Checking	$500	$500 daily or $2,500 average(1)	$5.00 per statement cycle plus 10¢ per item	Imaged Statement	Yes	NOW account requirements apply(2)
Non-profit Club Account	$50	No service charge	10 checks free 10¢ per item over 10	No, checks are safe kept	No	Available to non-profit organizations
Heritage Club Checking *Free Standard Check Blanks*	$500	$10,000 in any combination of First State Bank deposit accounts daily	$10.00 per statement cycle	Imaged Statement	Yes	Offers special benefits to customers age 50 and over

(1) The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

(2) There are federal regulations limiting NOW account eligibility. Entities organized to make a profit such as corporations, partnerships, associations or other organizations may not maintain NOW accounts.