First State Bank Checking Accounts

Regular Checking

• $200.00 minimum deposit required to open account.
  
• $500 minimum balance required to avoid imposition of fees.
  
• If account balance falls below $500.00 on any day in the statement cycle, then a maintenance fee of $4.00 will be imposed. A per item fee of $0.15 will also be charged for each debit item in excess of ten during the statement cycle (excluding debit card transactions) .
  
• Visa Debit Card. (Restrictions may apply.)
• Overdraft Privileges - click here for PDF copy of disclosure
  

Senior Checking

• $200.00 minimum deposit required to open account.
  
• Must be age 50 or older.
  
• No monthly service charges.
  
• Two free boxes of wallet style checks per year.
  
• Visa Debit Card. (Restrictions may apply.)
  
• Overdraft Privileges - click here for PDF copy of disclosure
  

Select Checking

• $200.00 minimum deposit required to open account.
  
• $6.00 monthly maintenance fee regardless of balance.*
  
• Unlimited checking.
  
• 2 free boxes of wallet style checks per year.
  
• Free Cashiers Checks (Limit three per month.)
  
• Direct Deposit.
  
• Check Imaging.
  
• 24 Hour Banking.
  
• $10,000 Accidental Death Insurance**.
  
• Visa Debit Card. (Restrictions may apply.)
  
• Free Notary Service.
  
• Overdraft Privileges - click here for PDF copy of disclosure

** Insurance is:

• Not a Deposit
  
• Not FDIC Insured
  
• Not Insured By Any Federal Government Agency
  
• Not Guaranteed By The Bank
  
• May Lose Value
  

NOW Checking

• Interest credited to account monthly.
  
• $1,000.00 minimum deposit required to open this account.
  
• Unlimited check writing.
  
• Check imaging.
  
• Visa Debit Card. (Restrictions may apply.)
  
• Overdraft protection available.
  
• A maintenance fee of $5.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,000 or a minimum average daily balance of $2,000 for the monthly cycle. A per item fee of $0.20 will also be charged for each debit item. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  
• Check printing fee depends on style of checks ordered.
  
• Overdraft Privileges - click here for PDF copy of disclosure
  

FSB Advantage Checking

• No minimum deposit to open.
  
• To avoid a monthly maintenance fee, you must have Direct Deposits totaling at least $500 per statement cycle; or maintain an average daily balance of $1,000; otherwise a $7.00 monthly maintenance fee will apply.
  
• FREE Internet Banking. *
  
• FREE Bill Pay. *
  
• FREE Telephone Banking 24/7.
  
• eStatements .**
  
• First box of wallet style checks FREE.
  
• Visa Debit Card. (Restrictions may apply.)
  
• Overdraft Privileges - click here for PDF copy of disclosure.

Business Checking

• $500.00 minimum deposit required to open account.
  
• $500.00 minimum daily balance required to avoid imposition of fees.
  
• If account balance falls below $500.00 on any day in the statement cycle, then a maintenance fee of $4.00 will be charged to the account. A per-item fee of $0.15 will also be charged for each debit transaction.
• Visa Debit Card. (Restrictions may apply.) 

Student Checking

• Full-time students up to 22 years old.
• $200.00 minimum deposit to open.
• No monthly service charge.
• One free box of checks at time account is opened.
• Visa Debit Card. (Restrictions may apply.)