Personal Banking: Checking, Savings & Loans

Locally owned and operated since 1935 — First for You.

At First State Bank, we make personal banking simple, secure, and convenient. From everyday checking and high-yield savings to CDs, IRAs, personal loans, and mortgage loans, you’ll find flexible options, friendly service, and modern digital tools. Bank online, on your phone, or in person at a community bank that’s been putting customers first since 1935.

Why Bank with First State Bank?

  • Community bank service with competitive products and transparent fees

  • Online & Mobile Banking with bill pay, E-Statements, and account alerts

  • Extensive Debit/ATM access, including Privileged Status® surcharge-free network

  • Fast, local decisions on loans and mortgages

  • FDIC-insured deposits and robust security protections

Personal Checking Account Options

Find a checking account that fits your life—whether you want no-fee simplicity, interest earnings, or perks like ATM refunds.

  • Everyday Checking: Straightforward, low-to-no monthly fee, debit card, E-Statements, and mobile deposit.

  • Interest Checking: Earn interest on your balance with all the features of digital banking.

  • Senior & Prestige Options: Extra benefits, discounts, and travel perks for qualifying customers.

Features on most accounts: free Online Banking, Mobile Banking, mobile check deposit,debit card with fraud monitoring, and account alerts.

Personal Savings, CD & IRA Options

Grow your money with competitive rates and safe, predictable returns.

  • Regular Savings: Flexible access for building an emergency fund.

  • Youth Savings: Accounts designed for kids age 0-12 with special events and perks. 

  • Money Market Accounts: Higher-tier interest with check-writing privileges.

  • Certificates of Deposit (CDs): Fixed terms and fixed rates to meet your timeline.

  • Individual Retirement Accounts (IRAs): Traditional & Roth options to help you save for retirement with potential tax advantages.

Personal Loan Options

Finance what matters with local decisions, competitive rates, and quick turnaround.

  • Personal Loans & Lines of Credit: Consolidate debt, cover expenses, or access funds as needed.

  • Auto & Recreational Vehicle Loans: Financing for new or used cars, trucks, boats, or campers.

  • Home Equity Loans & HELOCs: Use your home’s equity for projects, tuition, or major purchases.

  • Mortgage Loans: Fixed and adjustable-rate mortgages, construction, and refinance options with guidance from local lenders.

Electronic & Mobile Banking Services

Bank anywhere, anytime with secure digital tools.

  • Online Banking: Real-time balances, transfers, bill pay, and E-Statements.

  • Mobile Banking App: Deposit checks, pay bills, manage cards, and set custom alerts.

  • Card Controls: Lock/unlock your debit card, set spending limits, and enable travel notices.

  • Account Alerts: Text or email notifications for balances, transactions, and due dates.

Debit & ATM Card

Enjoy 24/7 access to your money.

  • Instant-issue MasterCard® Debit Card

  • Privileged Status® ATM Network for broad, surcharge-free access

  • Built-in fraud monitoring and zero-liability protection for unauthorized transactions

Simply Rewards® Visa Credit Card

Earn rewards on the purchases you make every day.

  • Points on travel, dining, gas, groceries, and more

  • Competitive rates, no hidden fees, and easy online account management

  • Contactless tap-to-pay, digital wallet compatibility, and fraud alerts

(Credit cards subject to credit approval.)

Safe Deposit Box Options

Protect your important documents and valuables.

  • Multiple box sizes at select branches

  • Secure, private access during banking hours

  • Affordable annual rental with automatic payment option

Collector Coin Program

Add to your collection or find a meaningful gift.

  • Popular U.S. Mint coin sets and commemoratives (availability varies by branch)

  • Knowledgeable staff to assist with orders and special requests

First State Bank Prestige Club

Enjoy exclusive benefits, events, and travel opportunities.

  • Member-only seminars, trips, and social gatherings

  • Banking perks and discounts available to qualifying members

  • Dedicated team to help you make the most of membership

Ready to Get Started?

Open an account, apply for a loan, or talk with a banker today. Visit a branch, call us, or start online—we’re here to help you reach your financial goals.

Helpful Links

FAQs

What do I need to open an account?
A government-issued ID, Social Security number, and opening deposit. Additional documents may be required.

How do I switch my accounts to First State Bank?
We’ll help you move direct deposits, automatic payments, and close your old account with a simple checklist.

Is Mobile Deposit secure?
Yes—images are encrypted, and deposits are protected by multi-factor authentication and our security controls.

Do you offer surcharge-free ATMs?
Yes—First State Bank participates in the Privileged Status® network for broad surcharge-free access.