PERSONAL CHECKING ACCOUNTS

Interest-Bearing Accounts

Current Interest Rates

Money Market (Checking) Account

A tiered interest bearing account designed to pay higher interest rates on larger balances. * Limited to 6 withdrawals per statement cycle. 

- Minimum to open - $100
- Minimum balance to earn the disclosed annual percentage yield: $2500
- **Monthly maintenance fees: 
                $2500 or more - No Fee
                Less than $2500 - $12.50
- More than 6 withdrawals per statement cycle - $5 Each (Federal regulations limit withdrawals to 6 per statement cycle.)

Blue Chip Account 

A premier N.O.W. account that offers a competitive market rate while providing liquidity on deposits.

- Minimum to open - $100.00
Earns a competitive market rate
-**Monthly maintenance fees: 
                $35,000 or more - No Fee 
                Less than $35,000 - $15

N.O.W. Account

An interest bearing account with unlimited check-writing privileges.

- Minimum to open - $100.00
Minimum balance to earn the disclosed annual percentage yield: $1500
-**Monthly maintenance fees: 
                $1500 or more - No Fee 
                Less than $1500 - $12.50

Emerald NOW Account

An interest bearing account with unlimited check-writing privileges for those at least 55 years of age.

- Minimum to open - $100 
Minimum balance to earn the disclosed annual percentage yield: $1500
-**Monthly maintenance fees: 
                $750 or more - No Fee 
                Less than $750 - $7.50

The benefits regarding our Emerald account include the following:
- 1/2 off on Safe Deposit Box (excluding the 10x10 or larger.)
- Emerald Personal Checks-No Charge
- Traveler's Checks-No Charge
- Money Orders-No Charge
- Notary Services-No Charge

** Maintenance fees are based on a required minimum daily balance.

Non-Interest Bearing Accounts

Regular Checking

A non-interest bearing account with unlimited check-writing privileges.

- Minimum to open - $100
**Monthly maintenance fees: 
                $750 or more - No Fee
                Less than $750 - $7.50

Economy Checking

A non-interest bearing account with limited check-writing privileges. Unlimited point of sale debit card and ATM*** transactions.

- Minimum to open - $100
No minimum balance requirement
- First 25 checks per statement cycle - No Charge 
- Each additional check - $.25

** Maintenance fees are based on a required minimum daily balance.
*** No charge on ATM usage for First State Bank customers at any of our locations.  ATM fee at other than First State Bank ATM is $1.50 plus any fee the ATM owner charges.