Personal Banking

By very definition, a personal checking account is unique to you: it’s personal. That’s why we offer four different options, so you can select the best account to fit your day-to-day finances. All of our accounts come with online banking, bill pay, and debit card included.

Reward Checking

Experience First Class Banking by earning 3.30% APY* (Rate Current as of 7/01/2024) and unlimited ATM fee refunds* nationwide with this free checking account.

No Charge Checking

We’ve learned that straight-forward is often the best approach. Enjoy unlimited check writing with no monthly service charge with this account.

Regular Checking

This account includes images of processed checks, online banking, bill pay, debit card, and more. There is no service charge for ages 65 and over.

Interest Checking

Interest earnings and images of processed checks are two key benefits to this account. No extra charge for online banking, bill pay, or debit card.

Contact First State Bank

We have three offices, in Stratford, Dumas, and Dalhart. We provide our customers with the most advanced financial products and services while retaining a close, personalized approach to customer service.



Phone: 806-396-5521

Toll Free: 1-800-766-4518



Phone: 806-935-4184



Phone: 806-249-5513


Report a lost or stolen Debit Card

Please call your local branch during regular business hours


Report a lost or stolen Debit Card over the weekend

(800) 264-4274, select option 6.