Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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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.

A green outline hand holding a coin
Relationship Checking

OVERVIEW

  • No Minimum Balance Required
  • Debit Cards
  • Free Digital Banking

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.

ACCOUNTMINIMUM BALANCE TO AVOID MINIMUM BALANCE FEEMONTHLY SERVICE CHARGEFREE BASIC CHECKSIMAGESSWIPE & SAVE OPTIONSWIPE & SAVE MATCH OPTIONATM FEE REFUNDSINTEREST 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.

Green outline of a check and pen
Relationship Plus Checking

OVERVIEW

  • $500 Minimum Balance Required
  • Debit Cards
  • Free Basic Checks Every Order
  • Free Digital Banking

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.

ACCOUNTMINIMUM BALANCE TO AVOID MINIMUM BALANCE FEEMONTHLY SERVICE CHARGEFREE BASIC CHECKSIMAGESSWIPE & SAVE OPTIONSWIPE & SAVE MATCH OPTIONATM FEE REFUNDSINTEREST 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.

Green outline of a piggy bank
Relationship Savings

OVERVIEW

  • $100 Minimum Balance Required
  • Free Digital Banking

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.

ACCOUNTMINIMUM BALANCE TO AVOID MINIMUM BALANCE FEEMONTHLY SERVICE CHARGEFREE BASIC CHECKSIMAGESDEBIT CARDATM FEE REFUNDSRESTRICTIONS AND LIMITATIONSINTEREST 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.

A stack of coins icon
Vision Savings

OVERVIEW

  • $100 Minimum Balance Required
  • High Yield – 4.11% APY Guaranteed for One Year
  • Save for Post-High-School Expenses
  • Free Digital Banking

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.

ACCOUNTMINIMUM BALANCE TO AVOID MINIMUM BALANCE FEEMONTHLY SERVICE CHARGEFREE BASIC CHECKSIMAGESDEBIT CARDATM FEE REFUNDSRESTRICTIONS AND LIMITATIONSINTEREST 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.

A stack of green outline coins
Money Market

OVERVIEW

  • $1,000 Minimum Balance Required
  • Free Digital Banking

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.

ACCOUNTMINIMUM BALANCE TO AVOID MINIMUM BALANCE FEEMONTHLY SERVICE CHARGEFREE BASIC CHECKSIMAGESDEBIT CARDATM FEE REFUNDSRESTRICTIONS AND LIMITATIONSINTEREST 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.

CD rates green outline chart
Certificate of Deposit

OVERVIEW

  • Terms Ranging from 91 Days to 5 Years
  • Competitive Market Rates

Ready to start saving? Contact us at 701.746.7766 or stop into any one of our First State Bank locations today!

More Information

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.