- Minimum balance to open $1.00
- No monthly service charge fee
- No minimum balance requirements
- Free Online Banking
- First State Bank will refund up to $30.00 per statement cycle for ATM charges when you turn in your original ATM withdrawal receipt within 30 days of the charge, at any one of our four (4) loactions
- Paper Statement Fee: If you choose to recieve your monthly statement by mail, your account will be subject to a $5.00 paper statement fee for that statement cycle.