Checking

SMALL BUSINESS CHECKING ACCOUNT

  • You must deposit $100.00 to open this account. 
  • Account maintenance is $12.50 per month. 
  • Restricted to 75 or less debits( including ACH, ATM/Debit Card, checks, and electronic debits per month.)
  • No charge for deposits posted. 
  • Master Card ATM/Debit card available with credit approval.
  • This account receives a monthly statement with images of written checks.
  • E-Statements Available


BUSINESS ANALYSIS CHECKING ACCOUNT

  • You must deposit $100.00 to open this account. 
  • Account maintenance is $25.00 per month. 
  • .15 per debit 
  • 20% credit back
  • 12% reserve
  • Restricted to 75 or more debits( including ACH, ATM/Debit Card, checks, and electronic debits per month.)
  • No charge for deposits posted.
  • Master Card ATM/Debit card available with credit approval.
  • This account receives a monthly statement with images of written checks.
  • E-Statements Available


BUSINESS NOW ACCOUNT

  • A Corporation may not have a NOW account.
  • You must be a Sole Proprietor, Non Profit Organization or a City, State or County, Municipal to open this account.
  • You must deposit $1,000.00 to open this account.
  • A minimum balance charge of $12.00 will be imposed every month if the daily balance of the account falls below $1,000.00 any day of the month. You must maintain $1,000.00 daily not to have a minimum balance charge and to receive the accrued interest.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • 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.
  • Interest begins to accrue on the business day you deposit non cash items.
  • No restrictions on the number of checks you may write each month.
  • Master Card ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • E Statements available


BUSINESS SUPER NOW ACCOUNT

  • You must deposit $2,500.00 to open this account 
  • You must be a Sole Proprietor, Non Profit Organization or a City, State or County, Municipal to open this account.
  • A minimum balance charge of $15.00 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest.
  • 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.
  • Interest begins to accrue on the business day you deposit non cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • No restriction on the number of checks you may write each month.
  • Master Card ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • E Statements Available


BUSINESS MONEY MARKET ACCOUNT

  • You must deposit $2,500.00 to open this account
  • A minimum balance charge of $15.00 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest.
  • 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.
  • Interest begins to accrue on the business day you deposit non cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • Master Card ATM/Debit card available with credit approval.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  • E Statements available


REMOTE DEPOSIT CAPTURE

Deposit checks for your business right from your desk! No more trips to the Bank! First State Bank’s Remote Deposit Capture is quick, easy and convenient. Just think, no more trips to the bank, standing in teller lines, or filling out deposit slips. Besides being fast and easy, you can make check deposits 24 hours a day, 7 days a week from the safety of your office. Remote Deposit Capture, also called Merchant Capture, gives a new meaning to the word CONVENIENCE! Call us today at 256-845-6101.


MOBILE DEPOSIT 

Contact any of First State Bank offices and let the customer service representative know that you would like to have this new feature. 

  • You must have an existing account for at least six months in good standing.
  • Must be a current online customer.
  • Checks must be endorsed; Payee signature, for mobile deposit only, FSB.
  • The bank reserves the right to cancel this service or reject deposits for incorrect endorsements, etc..
  • Call your branch today to request this service or for more information or send a message online.