First State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts and Lawyers Trust Accounts (IOLTA) are fully guaranteed by the FDIC for the entire amount in the account. Please be advised, First State Bank does not offer the type of NOW accounts that are eligible for the full guarantee. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. Please see a New Accounts representative for more information.

To help the goverment fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

REGULAR CHECKING ACCOUNT

First State Bank offers a variety of checking account services. To open a regular checking account a $200.00 deposit is required. The service charge on this account is $7.00 per month if the balance falls below $500.00 during any day of the cycle. Transactions on this account are unlimited.

FREE CHECKING ACCOUNT - Non Interest Bearing Account

A $25.00 deposit is required to open this account. The service charge is waived. Transactions on this account are unlimited. No minimum balance. This account is a truncated account. You will receive a monthly statement but the bank will retain your cancelled checks and deposits. The account requires use of duplicate checks. The first fifty duplicate checks are free. First two copies of cancelled checks per month are free. Thereafter, additional copies of transactions may be obtained for $1.00 each. No activity or transaction fees. OTHER FEES MAY APPLY i.e. NSF/OD-RESEARCH-ATM

NOW ACCOUNT

This interest bearing account requires an initial deposit of $1500.00. Interest will be compounded every month and will be credited directly to your account. A service charge of $15.00 will be charged each month if the balance falls below $1500.00. Transactions on this account are unlimited.

SUPER NOW ACCOUNT

This interest bearing account requires an initial deposit of $2500.00. Interest will be compounded every month and will be credited directly to your account. A sevice charge of $20.00 will be charged each month if the balance falls below $2500.00. Transactions on this account are unlimited.

ATM/DEBIT CARDS

First State Bank Visa Checkcard

A convenient alternative to writing a personal check, checkcard can access your checking account funds and act as your ATM card as well. Accepted worldwide through VISA.
ATM withdrawal fees may apply.

For lost or stolen cards, you may call First State Bank at (903)963-8651

VERIFIED by VISA

With First State Bank of Van's easy EXPRESSPhoneBanking, you can check your balance, confirm previous transactions and your last deposit 24 hours a day, 7 days a week. You may also speak with a customer service representative during regular business hours. Call (903)963-5786 from any touch tone telephone.