Checking Accounts

If you just need a safe and simple checking account, this is it. Maintain a $300 balance throughout the month to avoid a monthly service charge.
If the balance of the account falls below $300.00 any day of the cycle a small service charge of just $7.00 per month may be charged. You are allowed 25 checks per month. However if you write more than 25, you will be charged a maintenance fee of $0.15 for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) over the limit.

• No minimum opening balance
• Receive monthly statement electronically

School Employee Checking Account
Must be employed with a School System to avoid the service charge

• No minimum opening balance
• Receive monthly statement electronically

Free Student Checking 
For full time students under 21 years of age

• No minimum opening balance
• Receive monthly statement electronically

NOW Account
Maintain a $2,500 balance throughout the month with unlimited checking and avoid a service charge.  Plus earn interest and get all the benefits of a regular checking account.
If the balance of the account falls below $2,500 any day of the cycle a small service charge of just $7.00 per month may be charged. However if you write more than 25, you will be charged a maintenance fee of $0.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) over the limit.

• Minimum opening balance of $2,500.
• Receive monthly statement electronically

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This traditional savings account is a convenient way to save. Your account balance earns daily interest which is compounded and paid quarterly. You can open a regular savings account with an initial deposit of $10.  An excessive transaction fee of $5.00 will be charged for each withdrawal over six per month. 

• Minimum opening balance of $10.00
• Receive quarterly statement electronically

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Minimum initial deposit is $1,000. The interest rate is fixed for the term of the deposit, and additional deposits are not permitted. Because you leave the funds on deposit for a certain time period, you receive a higher interest yield. If, however, you wish to withdraw the funds before maturity, there will be a penalty for early withdrawal.

One Card allows you to avoid the delays of check approval and gives you easy access to cash. First State Bank debit card is readily accepted at retailers. The purchase amounts are then automatically deducted from your checking account. It's also an ATM card, giving you 24 hour access to cash whenever and wherever you need it. Because First State Bank is a member of the No-Surcharge program we are providing the benefits of this program to you. Just look for the No-Surcharge (NC) logo at ATMS, and you won't pay a surcharge fee! All this convenience in one little card!

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Agricultural Loans
First State Bank has been providing financing for agriculture since 1903. If you need operating loans for working capital, intermediate term loans for capital purchases, or long term financing for real estate purchases, this should be your bank.
Commercial Loans
Whether your business needs a construction loan, is purchasing an existing building or looking to refinance an existing commercial real estate loan, we can customize a loan that will help you meet your business goals. If you need to make needed capital purchases, consolidate debt, or simply adjust your intermediate debt to match your cash flow, our structured term loans can help. We'll work with you to find the most advantageous terms. We also offer SBA loans.
Personal Loans
Need to consolidate your bills into one easy payment? Maybe you need some short term money until you get your tax refund. Even if you need some funds for that special family vacation, give us a call. We can structure your request to your income stream. Monthly pay or single pay - we'd love to help!
Vehicle Loans
Is it finally time for a new automobile or truck for the family? Stop in and see us, set up the financing, then go to the dealer. You're sure to get yourself the best possible deal. Shop around if you like, but you'll find our rates to be some of the most competitive.
Home Improvement Loans
Looking for an easy way to increase the value of your home? How about a home improvement loan? You make yourself popular at home, increase the value of your residence, and get all the tax benefits. It's the best of everything. Let us know how we can help!

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Perhaps we've forgotten something? Loans for college tuition, a family emergency, or an unexpected bill can make life difficult. If a short-term loan, for practically anything, can make life easier, please give us a call.

Real Estate Loans
If you are looking for a real estate loan to purchase a home, farmland, or other real estate, look no further than First State Bank. Our terms are flexible and we'll give you a quick answer to your loan request. We'll do our very best to provide you with a plan you'll like. We offer financing for all of the following:

• Purchase
• Refinance
• Construction
• Conventional
• Fixed Rate Balloon Loans
• Adjustable Rate Mortgages
• FHA
• VA
• USDA Rural Development
• HUD 184 Native American Programs
• Other

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