Personal Checking

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 1.50% APY* and unlimited ATM fee refunds* nationwide with this free checking account. (*APY and interest rates current as of 2/1/2020)

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.

Reward Checking

There comes a time for everything. The time for ATM fee refunds is now. Reward Checking from First State Bank is a free account with no minimum balance required to earn rewards and unlimited check writing.

Experience First Class Banking by earning 1.26% APY* and unlimited ATM fee refunds** anywhere. No kidding. We’ll refund any fees that you are charged for using another bank’s ATM. It’s your money after all.

1.26% APY* (Rate Current as of 2/1/2020) on balances up to $100,000

1.26% to 0.51% APY on balances over $100,000 depending on balance in account*

Unlimited ATM fee refunds anywhere

No monthly service charge

Unlimited check writing

Free online banking with bill pay

Free MasterCard® debit card

Overdraft protection available upon request***

$100 minimum deposit to open (no minimum thereafter)

FDIC insured

Limit of two Reward Checking accounts per household

Qualifications

Qualifying for rewards is so easy, you’re probably already doing it! Simply do the following transactions and activities each the monthly qualification cycle:

  • Have at least 8 debit card purchases (POS) post and settle (excluding ATM transactions)
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into online banking
  • Be enrolled and receive eStatement notice via Online Banking notice given by email

– Must maintain a valid email address

– You will be required to notify the bank with any changes to your email address

– Images of checks available online

If you don’t qualify during a monthly qualification cycle, don’t worry! There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you get a base rate of 0.25% APY* and you get right back to making 1.26% APY* and enjoying ATM fee refunds** the next cycle you qualify.

Disclaimer

*APY=Annual Percentage Yield. APYs accurate as of 2/1/2020. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $100,000 receive APY of 1.26%; and (3) balances over $100,000 earn 0.50% interest rate on portion of balance over $100,000, resulting in 1.26% – 0.51% APY depending on the balance. If qualifications are not met, all balances earn 0.25% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Rate subject to change after account is opened.

**Unlimited ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Available to personal accounts only. No monthly service charge.

***Overdraft protection not available on student accounts

No Charge Checking

As a community bank in the Panhandle, we’ve learned that straight-forward is often the best approach. So quite simply, it shouldn’t cost you money to use your money. Enjoy unlimited check writing with no monthly service charge with this account.

No monthly service charge

Unlimited check writing

No charge online banking with bill pay

No charge MasterCard® debit card

Check images available online only

Overdraft protection available upon request*

Detailed monthly statement**

$100 minimum deposit to open (no minimum thereafter)

FDIC insured

Disclaimer

*Overdraft protection not available on student accounts

**First three check photocopies free, 50¢ each thereafter

Regular Checking

This account includes images of processed checks, providing a record of financial transactions for account customers. First State Bank extras like no charge online banking, bill pay, debit card, and more are included.

$5 monthly service charge if average balance is below $800

No service charge for ages 65 and over

Check images provided

20 checks/debits per statement cycle are no charge

17¢ per check/debit after 20 per cycle

No per check charge if average balance remains above $800

No charge online banking with bill pay

No charge MasterCard® debit card

Overdraft protection available upon request*

$100 minimum deposit to open (no minimum thereafter)

FDIC insured

Disclaimer

Monthly and per-check fees only apply if you have more than 20 withdrawals and your balance is below the average required minimum.

*Overdraft protection not available on student accounts

Interest Checking

Interest earnings and images of processed checks are two key benefits to this checking account. First State Bank extras like no charge online banking, bill pay, debit card, and more are included.

Interest calculated daily, credited to account monthly

Check images provided

$6 monthly service charge if average balance is below $1,500

20 checks/debits per statement cycle are no charge

17¢ per check/debit after 20 per cycle

No per check charge if average balance remains above $1,500

No charge online banking with bill pay

No charge MasterCard® debit card

Overdraft protection available upon request*

$1500 minimum deposit to open

FDIC insured

Disclaimer

Monthly and per-check fees only apply if you have more than 20 withdrawals and your balance is below the average required minimum. No interest on balances below $1500.

*Overdraft protection not available on student accounts

Fees may reduce earnings. Rate subject to change after account is opened.

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.

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Stratford

Phone: 806-396-5521

Toll Free: 1-800-766-4518

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Dumas

Phone: 806-935-4184

R

Dalhart

Phone: 806-249-5513

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Report a lost or stolen Debit Card

Please call your local branch during regular business hours

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Report a lost or stolen Debit Card over the weekend

(800) 264-4274, select option 6.