Personal Banking

Checking Account Plans

First State Bank of Ben Wheeler offers a full range of deposit products to meet your banking needs. We offer consumer accounts, CDs, IRAs, NOW and Money Market accounts. Contact one of our new account representatives to ask about our FREE Checking or our 55+ account

Free Checking Account

  • Minimum balance to open $50.00
  • No monthly service fees
  • Get 50 FREE checks with first box of checks ordered
  • Check images available online
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Regular Checking Account

  • Minimum balance to open $200.00
  • $8.00 will be charged when balance falls below $750.00 any day in a statement cycle
  • $0.15 will be charged for each check in excess of 20 checks
  • Check images available online and in statement
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Fifty-Five PLUS Account

  • Minimum balance to open $200.00
  • $10.00 will be charged when balance falls below $2000.00 any day during a statement cycle.
  • No interest will be paid if minimum balance falls below $2000.00 any day during a cycle.
  • Unlimited Transactions
  • First full box of checks FREE
  • 50% off first year Safe Deposit Box
  • No Monthly ATM Card Fee
  • Free Cashiers Checks, Money Orders and Notary Service
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

NOW Account

  • Minimum balance to open $1500.00
    $8.00 will be charged when balance falls below $1000.00 minimum any day during statement cycle.
    No interest will be paid if minimum balance falls below $1500.00 any day during the cycle.
    $0.15 will be charged for each check in excess of 20 checks during a monthly cycle.
    If closed within 60 days a maintenance fee of $20.00 will be assessed

** For complete information please contact a new accounts representative at any of our four banking locations., or click here for an account brochure.

  • All interest rates subject to change
  • Additional fees for other banking services may apply

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