Interest Checking
- Summary
Interest Checking is a full service account that pays interest on your balance. Your monthly service charges are waived if you maintain the minimum balance. This account comes with free online bill pay, free Visa Check Card and monthly image statements. A traditional checking account that earns interest may be just the account for you.
- ATM / Check Card
Get the convenience and acceptance of a credit card that works like a check. You can use your First State Bank ATM / Check Card at ATMs to get cash out of your account. You can also use this same card to purchase goods and services that you would normally pay by check or credit card. Purchases made with the check card are automatically deducted from your account without the hassle of check writing. Our Check Card is accepted anywhere Visa Debit is accepted as well as PULSE and CIRRUS. Pick up an application today.
With this card, you can use any PULSE ATM at any hour of the day including weekends and holidays. In other words, you can bank at your convenience, handling the following transactions:
- Cash withdrawals from checking and savings
- Transfer money between checking and savings
- Balance inquiries
- Deposit to checking and savings
- Payments to loan accounts
Your ATM card can be used at additional locations displaying the PULSE or CIRRUS signs. Your money is available to you throughout the world with these networks
- Bounce Protection
Bounce Protection is an overdraft privilege for First State Bank customers. As long as you maintain your account in good standing we will normally honor overdrafts (created by check, in-person withdrawal, ATM withdrawal, or other electronic means). Overdrafts may be honored up to your Bounce Protection Limit. An overdraft item fee of $24 will be assessed for each item paid or returned and deducted from your Bounce Protection Limit.
Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, defined as making regular deposits to your account and restoring your account to a positive balance within 30 days or you have too many overdrafts.
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