We take banking personally. First State Bank offers the products and services you need to make life easier. Whether you’re getting your first debit card, buying a home, or opening an IRA, we’ve got your banking needs covered.

Checking Accounts

Overview Basic deposit account allowing you easy access to funds online and with your debit card. Take Advantage of your everyday banking activities and earn a premium interest rate plus automatic ATM fee refunds! * Full service checking account, plus it pays interest.
Minimum Opening Deposit $1  $1  $1,000 
Earns Interest No Yes Yes
Monthly Service Fee $0  $7 when account qualifications are not met $10 
Minimum Balance Needed to Avoid Monthly Service Charge $0  $0  $1,000 daily balance requirement
Paper Statement Fee $5 OR $0 if enrolled in paper statements $0  $0 
ATM Refunds Yes – Up to $30 per statement cycle for ATM charges when you turn in original ATM withdrawal receipts within 30 days. Yes – Automatic ATM refunds up to $30 per account cycle when qualifications are met. No

Savings Accounts


Personal Savings Money Market First Capital Christmas Club Vacation Club CD or IRA
Overview Basic savings account with low minimum balance requirements. Money Market account earns interest and allows for check writing (restrictions apply) A money market account with tiered rates to earn more interest on high balances Save for holiday shopping and expenses all year long.  Deposited funds are automatically transferred back to you just in time for the holiday season! Leave financial stress behind on your vacation by saving for that next trip!  Choose from four disbursement dates and get planning!
Minimum Opening Deposit $100  $1,500  $10,000  $1  $1  $1,000 
Earns Interest Yes Yes Yes – Tiered Rate Yes on balances up to $5,000 Yes on balances up to $5,000 Yes.  Terms of __ months to __ months available.  Rates and compounding frequency vary by term.
Minimum Daily Balance Required to Earn Interest $0  $1,500  $10,000  $0  $0  n/a
Monthly Service Fee $3.33 – over age 18 $10  $15  $0  $0  n/a
Minimum Daily Balance Needed to Avoid Monthly Service Charge $100  $1,500  $10,000  n/a n/a n/a
Paper Statement Fee $0  $0  $0  $0  $0  n/a
Withdrawal Restrictions No more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card or other similar transactions from account per month or statement cycle. No more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card or other similar transactions from account per month or statement cycle. No more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card or other similar transactions from account per month or statement cycle. Once funds are deposited to the Christmas Club Account, you will not be allowed to make withdrawals.  Funds will automatically be distributed to the accountholder on the first business day following October 31 each year. $15 fee for withdrawals made by accountholder.  Funds will be automatically distributed to the accountholder on the distribution date chosen at account opening.  Distribution date choices are January 1, April 1, July 1 or October 1. Vary by product.  Early withdrawal may result in a withdrawal penalty or forfeiture of accrued interest.  IRAs may have withdrawal penalties dependent upon your specific tax situation.
Excessive Transaction Fee $4 per debit transaction in excess of six (6) per month or statement cycle. $5 per debit transaction in excess of six (6) per month or statement cycle. $5 per debit transaction in excess of six (6) per month or statement cycle. None None n/a
Additional Key Features Service fee and minimum balance requirements waived for minors (under age 18).