Personal Banking

Savings Account Plans

First State Bank of Ben Wheeler offers a full range of savings products to meet your banking needs. We offer consumer savings, CDs, IRAs, NOW and Money Market accounts. Contact one of our new account representatives to see which plan will work best for you!

Savings Account

  • Minimum to open- $200.00
  • $8.00 will be charged when balance falls below $200.00 any day in the statement cycle.
  • No interest will be paid if minimum balance falls below $200.00 any day during a cycle.
  • $2.00 will be charged for each withdrawal in excess of 6 in a quarter.
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Money Market Account

  • Minimum to open- $2,500.00
  • $10.00 will be charged if balance falls below $2,500.00 in a statement cycle.
  • Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.
  • For all transfers in excess of 6 per monthly cycle, a $10.00 fee will be accessed.
  • No interest will be paid if the minimum balance falls below $1,500.00 during a cycle.
  • If closed within 60 days a maintenance fee of $20.00 will be assessed


Certificate of Deposit

First State Bank offers a full line of CDs with competitive rates to meet your needs.  Whether you are saving for a house, college or just a rainy day, our easy, flexible and FDIC insured CDs can help you make your plans a reality.

First State Bank also offers a CD for minors called a Little Bucks CD.  Open for a little as $100 and receive the same competitive rate as a traditional deposit CD!  Additional deposits may be made with a $25.00 minimum.

Individual Retirement Account

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

** For complete information please contact a new accounts representative at any of our four banking locations, or for a savings accounts and certificates of deposit account brochure.

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



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