Account Types Minimum Opening Deposit Minimum Daily Balance Interest Earned Monthly Service Charge
Regular Checking $100 $500
$7.00 below $500 daily balance Learn More
Senior Checking $100


Learn More
Student Choice Checking $100


Learn More
Now Account $1,000 $1,000
$12.00 below $1,000 daily balance Learn More
Super Now Account $2,500 $2,500
$15.00 below $2,500 daily balance Learn More
Money Market $2,500 $2,500
$15.00 below $2,500 daily balance Learn More

First State Bank Club Account

  • Unlimited number of checks written per month
  • Free Cashier’s Checks
  • Free checks, excluding shipping
  • MasterCard ATM/Debit card available with credit approval
  • Free Bill Pay with E-Statements
  • Online Banking
  • Mobile Banking
  • Accidental Death & Dismemberment Insurance –coverage also includes Scheduled Airline Insurance1
  • Cellular Telephone Protection1
  • Identity theft protection services2 (Credit File Monitoring*, 3-in-1 Credit Report*, Credit Score*, Fully Managed Identity Theft Resolution, Up to $5,000 Identity Theft Expense Reimbursement Coverage1, Debit and Credit Card Registration*)
  • Cash Back Member Rewards3
  • Health Discount Savings (enjoy savings on vision and prescriptions)4
  • $8.50 per month service charge for accounts with up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance - also includes up to $35,000 Scheduled Airline Insurance 

*(Registration/activation required)

1- Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit will be provided at account opening.

2- Identity theft protection services are available to personal checking account owner(s) and their natural person joint account owner(s). The services are available to non-publicly traded businesses and their business owner(s) listed on the account (services are not available to employees or authorized signers who are not owners). For revocable grantor trusts, the services are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the services cover the beneficiary, who must be the primary member (Fiduciary is not covered). Services are not available to a"signer" on the account who is not an account owner. Services are not available to clubs, organizations and/or churches and their members,schools and their employees/students.

3- Terms and conditions apply.

4- This is not insurance

Insurance Products are not insured by FDIC or any Federal Government Agency; Not adeposit of or guaranteed by the bank or any bank affiliate.


Regular Checking Account

  • You must deposit $100.00 to open this account.
  • A minimum balance charge of $7.00 will be imposed every month if the daily balance for the month falls below $500.00.
  • No restrictions on the number of checks you may write each month.
  • MasterCard ATM/Debit card available with credit approval.
  • E Statements available


Senior Checking Account

  • You must deposit $100.00 to open this account.
  • No monthly minimum balance charge for age 62 and over.
  • No restrictions on the number of checks you may write each month.
  • MasterCard ATM/Debit card available with credit approval.
  • This account receives a monthly statement with images of written checks.
  • There is no charge to receive a paper statement.


Student Choice Checking

  • You must deposit $100.00 to open this account.
  • No monthly minimum balance charge for full time students.
  • No restrictions on the number of checks you may write each month.
  • Master Card ATM/Debit card available with credit approval.
  • This account receives a monthly statement with images of written checks.
  • There is no charge to receive a paper statement.
  • E Statements available


Now Account

  • You must deposit $1,000.00 to open this account.
  • A minimum balance charge of $12.00 will be imposed every month if the daily balance of the account falls below $1,000 any day of the month. You must maintain $1,000.00 daily not to have a minimum balance charge and to receive the accrued interest for the period.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • We may change the interest on your account at our discretion.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit non-cash items.
  • No restrictions on the number of checks you may write each month.
  • MasterCard ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.
  • E Statements available


Super Now Account

  • You must deposit $2,500.00 to open this account.
  • A minimum balance charge of $15.00 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the month.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit non-cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • We may change the interest on your account at our discretion.
  • No restriction on the number of checks you may write each month.
  • Master Card ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.
  • E Statements available


Money Market

  • You must deposit $2,500.00 to open this account.
  • A minimum balance charge of $15.00 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the period.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • We may change the interest on your account at our discretion.
  • During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party.
  • Master Card ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • The interest rate on this account is variable.
  • E Statements available