Free First Checking

  • No minimum balance
  • No monthly service charge
  • $50 opening deposit required

VIP First Checking

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • $50 opening deposit required

Advantage First Checking

  • For customers 50 and over
  • FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • $50 opening deposit required

Platinum First Checking

  • FREE personalized checks
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500
  • $50 opening deposit required

First Rewards Checking

  • Earn out best rate on balances up to $25,000
  • Free online banking and mobile app
  • Free online statements
  • Free Mobile Deposit using your smartphone
  • Free debit card
  • Set up alerts for balances and transactions


  • Have at least 10 debit card purchases post and clear each statement cycle.
  • Have at least one direct deposit or automatic debit from a third party post and clear each qualification cycle.  Such as payroll into your account, automatic monthly payment to your insurance company, electric bill, etc., online bill payments using First State Bank's bill pay service do not count, automatic transfers to loans or other deposit accounts within First State Bank do not count.
  • Enroll and receive online account statements.  Log into your internet banking and hit "opt in" under e-statements.  Contact us for details or questions.
  • $50 opening deposit required

Money Market

  • $2500 opening deposit required.
  • If daily balance falls below $2500, a $7 minimum balance fee is charged.
  • If there are more than 6 withdrawals during a monthly cycle, a $5 per item debit fee is charged.
  • If you exceed the transfer limitations, your account will be subject to a change of checking account type or closure.


As your balance grows, so does your interest rate.

  • No service fees
  • $10 opening deposit required

Christmas Club

Eliminate worries with a Christmas Club account.

  • Earns interest
  • Check mailed to you in November
  • $10 to open

Certificates of Deposit (CDs)

Contact us for the latest rates!

  • Many term lengths available
  • Minimum deposit to open is $500
  • Interest may be compounded, added to a First State Bank account or paid by check
  • Penalty for early withdrawal.




Our loans are very competitive and most decisions on loan requests are made within 24 hours after all necessary information is provided. For loan rates and other related information please give us a call or stop by one of our offices.

  • Home construction loans
  • Home loans (purchase or refinance)
  • Home Equity loans
  • Vehicle loans
  • Recreational equipment loans
  • Personal loans

home loan application

personal loan application