Personal Checking Accounts

Personal Account Application Please complete and bring in.

Reward Account
click here to view Qualification Periods

Earn interest on balances
No monthly service charge
Unlimited check writing
No transaction fee for FSB ATM use
No annual fee for Check Card
No monthly fee for Online Banking
No monthly fee for Online Bill Pay
No monthly fee for Online E-Statements
Earn U.S. ATM fee refunds up to $25 per qualification period

Eligibility Requirements
Available for Personal Accounts only. May be limited to one Reward Account per household.
To receive the maximum interest rate and ATM fee refunds there are three simple Activity Requirements during the qualification period:
1. 10 Check Card (Debit MasterCard) Transactions post and clear per qualification period (excluding ATM withdrawals)
2. At least one ACH Direct Deposit or ACH Auto Debit post and clear per qualification period
3. Receive Electronic Statements through Internet Banking*
Interest Rate - Tiered.
Rate information - At our discretion, we may change the interest rate for this account.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - Rate Tiers are based on average daily balance and/or satisfaction of Minimum Activity Requirements per qualification period. (See current posted rate list.) At our discretion, we may change the interest rate on your account at any time.
If the Minimum Required Activity is not performed during the qualification period, interest will be paid at a lower rate. Minimum required activity for the qualification period will be considered from items posted and cleared to your account on the last business day of the previous statement cycle through the next to the last business day of the current statement cycle. This is referred to as the "qualification period."
U. S. ATM Fee Refunds -
If you have met your Minimum Required Activity for the qualification period we will automatically refund U.S. ATM fees up to $25 per qualification period.
Minimum balance requirements
You must deposit at least $200 to open this account. No monthly minimum balance to maintain.
Fees and Charges - There is no monthly or annual service charge for this account.
Balance computation method - We use the average daily balance method to calculate the interest on your Reward account.
Compounding and crediting - Interest will be compounded monthly and will be credited to your account monthly, on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. The interest rate and annual percentage yield may change, at the Bank's discretion, at any time. Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

*ELECTRONIC STATEMENT DISCLOSURE
This disclosure contains important information about our Electronic Statement product, also referred to as E-Statements.
E-Statement Delivery- E-Statement delivery is a Reward Account requirement and will eliminate the delivery of paper statements. Our E-Statement product is easy to use, simply login and navigate to the "accounts tab" and select E-statement within the Online Banking Service. Your periodic statements will only be accessible through our Online Banking Service.
E-mail Reminders - We will send you an email alert to the email address you provide when your statement becomes available online. You can change the email address for the statement alert at any time through the Online Banking Service. The email alert will include a link that takes you to the Online Banking Login screen.
Statement Availability - Once an E-Statement is securely available online, it is retained for 24 months. Both E-Statements and check images may be downloaded or printed for permanent retention.
Canceling E-Statements - You may Opt-out of E- Statements at any time. If you Opt-out, please be aware that E-Statement delivery is a condition of the Reward Checking. If you have this account and opt-out of E-Statements, you will be required to contact us so that you can choose another account type.
Email Address Changes - In order to provide E-Statements, we must maintain current customer email addresses at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.

Thrift Checking
Minimum balance to open the account - You must deposit $200.00 to open this account.
Fees: A maintenance fee of $3.00 will be charged each statement cycle. An excess withdrawal fee of $.50 will be charged for each check or other withdrawal in excess of 10 during the statement cycle.

Senior Citizens Checking – (AGE 62 OR OLDER)
Minimum balance to open the account - You must deposit $200.00 to open this account.
Fees: An excess withdrawal fee of $.50 will be charged for each check or other withdrawal in excess of 20 during a statement cycle.

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Personal Account Application Please complete and bring in.

First Preferred Club Checking

UNLIMITED CHECK WRITING with no minimum balance requirement.
DISTINCTIVE PERSONALIZED CHECKS will be provided to you. You will also have the option of purchasing another style of your choice at cost.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE on individual account owner. Additional coverage or family coverage available for additional charge. Reduced 50% at age 70.
SAFE DEPOSIT BOX DISCOUNT will be available to you. This 10% discount applies to the rental price of any safe deposit box depending on availability.
MONEY ORDERS AND CASHIER'S CHECKS will have no issue fee for First Preferred Account owners.
NOTARY SERVICE. We will notarize your signature whenever needed. (We cannot notarize Wills or Living Wills.)
AUTOMATIC FUNDS TRANSFER may be authorized for regular transfers from checking to savings accounts.

Minimum balance to open the account - You must deposit $200.00 to open this account.
Fees: A monthly maintenance fee for this account will be based on the amount of insurance the account holder chooses to purchase. The amount of the fee will be determined as follows:

FEES	COVERAGE
$ 9.00 (individual) or $ 9.50 (family)	$10,000.00 accidental death & dismemberment insurance
$10.00 (individual) or $10.50 (family)	$20,000.00 accidental death & dismemberment insurance
$11.00 (individual) or $11.50 (family)	$30,000.00 accidental death & dismemberment insurance

Personal Account Application Please complete and bring in.

Super Now Checking – Rates Board

Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

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Personal Account Application Please complete and bring in.

Money Market Checking – Rates Board Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Transaction Limitations (per Regulation D): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Fees: An excess withdrawal fee of $10.00 will be charged for each check or other withdrawal in excess of six during a statement cycle.

First State Bank's Debit Master Card

Debit MasterCard Application.

"Use Debit MasterCard to make the most of your valuable time."

Benefits

Pay for everything with the First State Bank Debit MasterCard, the one card you can use like your checkbook.
The Debit MasterCard is as easy to use as a credit card and the money you spend is deducted directly from your checking account - without the usual hassles often associated with writing a check.
The Debit MasterCard is accepted at millions of locations worldwide, no payment card is more widely accepted globally than MasterCard with 1,000,000 worldwide ATM’s, which eliminates the need to carry a lot of cash or your checkbook.
The First State Bank Debit MasterCard can reduce your cost of ordering checks and you can keep track of spending much easier because all the transactions are listed on your monthly statement.

Costs
There is NO Annual Fee. Your normal checking account and associated ATM fees will still apply.

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