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Individual Accounts

Discover a full suite of personal banking options—checking, cards, savings, CDs/IRAs, lending, services, and calculators—through these links to help you manage daily finances, grow your savings, and plan for the future with confidence.

Checking

Find checking account options with low minimums, debit card access, and online/mobile banking

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Cards

Manage and protect your debit card with alerts, lock/unlock controls, and daily limits.

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Savings

Grow funds with variable-rate accounts, mobile deposit, and up to six free transactions per quarter.

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CDs / IRAs

Earn higher returns with CDs (min $500) and choose between Traditional or Roth IRAs for retirement savings.

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Lending

Access loans for autos, personal needs, mortgages (15–30 year, VA/FHA/USDA), home improvement, and more.

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Services

Use ATM/debit cards, online/mobile/realtime banking, wire transfers, notary, safe deposit boxes, and other convenient services.

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We take pride in customer satisfaction as well as keeping your money at "home" where it belongs - working for you and our community.

Hometown Banking - Wherever You Are.

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Resources

  • Individuals
  • Businesses
  • Who We Are
  • Customer Education
  • Bank Owned Properties
  • Log In

Locations

Fort Payne
Phone: 256-845-6101
Fax North: 256-845-6845
Fax South: 256-845-7854

Rainsville
Phone: 256-638-2200
Fax: 256-638-2203

Henagar
Phone: 256-657-2200
Fax: 256-657-2203

Grant Office
Phone: 256-728-8000
Fax: 256-728-8001

Customer Service

customersupport@fsbal.com

Lost or stolen debit card: 1-800-383-8000 

Lost or stolen credit card (Visa™, MasterCard™, and Gold MasterCard™): 1-800-325-3678

24 hour Telephone Banking
256-845-0882

NMLS# 435147

 

© 2025 First State Bank.  Member FDIC. Equal Housing Lender.
 

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