Open a Interest bearing account

Consumer


Open an Interest Bearing Account

We have competitive rates on interest bearing deposit products including checking, savings, CDs and IRAs. Browse below to see which account meets your needs, then contact us to switch to First State Bank of Ben Wheeler.

Premier Plus Checking

  • Minimum balance to open $200.00
  • If balance falls below $2,000.00 any day in the statement cycle a service fee of $10.00 will be charged and no interest will be paid for that month
  • See Account Representative for current interest rates
  • Get free unlimited transactions
  • Get the first box of checks for free
  • 50% off first year of Safe Deposit Box rent
  • NO monthly debit card fee
  • Free Cashier’s Checks and Money Orders
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

NOW Checking

  • Minimum balance to open $1,500.00
  • If balance falls below $1,000.00 any day in the statement cycle a service fee of $8.00 will be charged.
  • See Account Representative for current interest rates
  • $0.15 will be charged for each check in excess of 20 checks or electronic withdrawals
  • No interest will be paid if minimum balance falls below $1,500.00 any day during a statement cycle
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Savings Account

  • Minimum balance to open $200.00
  • If balance falls below $200.00 any day in the statement cycle a service fee of $8.00 will be charged
  • See Account Representative for current interest rates
  • No interest will be paid if minimum balance falls below $200.00 any day during a statement cycle
  • $2.00 will be charged for each withdrawl in excess of 6 per quarter
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Money Market Account

  • Minimum balance to open $2,500.00
  • If balance falls below $2,500.00 any day in the statement cycle a service fee of $10.00 will be charged
  • See Account Representative for current interest rates
  • No interest will be paid if minimum balance falls below $1,500.00 any day during a statement cycle
  • Transfers from a Money Market Account to another account or to a third party by any means are limited to 6 per statement cycle
  • All transfers in excess of 6 per monthly cycle will incur a $10.00 fee
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Certificate of Deposit

We offer CDs ranging from 6 month to 3 year maturity dates with competitive rates. No matter what you are saving for our easy, flexible and FDIC insured CDs can help you make your dreams a reality!

There is also a plan for our next generation of dreamers! The Little Bucks CD is designed especially for minors. Open one for as little as $100.00 and receive the same rate as a traditional CD. Deposits may be made at any time with a minimum of $25.00 per deposit.

Individual Retirement Account

First State Bank offers traditional, Roth and SEP IRAs. IRAs are FDIC insured up to $250,000.00, earn competitive interest rates and are a great way to accomplish your retirement goals.


Apply Now Switch to us

**For complete information please contact an account representative.
• Additional fees for other banking services may apply