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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.

UNLAWFUL INTERNET GAMBLING NOTICE

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.  Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.