3.82% APY*   2.02% APY*   .25% APY*
                                                                                                                      OR
  E-Rate                                   E-Rate                             Standard Rate
  On Your Balance                 On Your Balance                   On All Balances
  Up To $100,000                   Over $100,000
 

Click Here to Sign up for Reward Checking

Reward Checking is the newest personal checking account to be added to the line-up of accounts at First State Bank. It acts like a traditional checking account, but has the added features that will actually reward you for using it. Earn rewards like interest and free ATM use. Go ahead, start earning. You deserve it. EXCLUSIVE REWARD CHECKING ACCOUNT FEATURES:


Earn Interest

It’s time you started earning the percentage that typical savings accounts and CD’s earn, and keep the financial freedom with our revolutionary checking accounts. It’s time you were rewarded.


Earn Free Atm Use.
Anytime. Anywhere.

That’s right! First State Bank will refund any fees that are charged to your account for using another bank’s ATM. You can now use your debit card anywhere for free.


Free
Debit Mastercard®

Leave your checks at home. With the Mastercard® debit card, you have the freedom to use it like an ATM or credit card. It’s easy, the purchase amounts come right out of your First State Bank Reward Checking account. Say good-bye to third party credit cards.


ACCOUNT REQUIREMENTS

In order to take advantage of First State Bank’s Reward Checking there are a few requirements that must be met:

• Make at least 8 debit card transactions per qualification period (ATM WITHDRAWALS EXCLUDED)
• Have at least 1 ACH debit or direct deposit per qualification period (I.E. UTILITY BILL, PAYROLL DEPOSIT, ETC.)
• Access your account through the online banking service once per qualification period
• Statement is delivered via internet banking with notice given by email (VALID EMAIL ADDRESS REQUIRED)
• If you do not meet the minimum requirements, 0.25 % APY* will be paid on your account

Interest checking is NOT available for corporate or partnership accounts.  Interest rate and annual percentage yield may change.  We reserve the right to change interest rates at any time at our discretion.  Interest will compound every statement cycle and credited to your account on the last working day of the cycle.  We use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the cycle.   The average daily balance is calculated by adding the principal in the account each day and dividing that figure by the number of days in the statement cycle.  Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

That’s It! Let one of our account representatives tell you how easy it is to take advantage of the new First State Bank reward checking account.

*Annual percentage yield. Some restrictions apply. Rate subject to change without notice.