First State Bank Club Account

• Unlimited number of checks written per month
  
• Free Cashier’s Checks
  
• Free checks, excluding shipping
  
• MasterCard ATM/Debit card available with credit approval
  
• Free Bill Pay with E-Statements
  
• Online Banking
  
• Mobile Banking
  
• Accidental Death & Dismemberment Insurance –coverage also includes Scheduled Airline Insurance¹
  
• Cellular Telephone Protection¹
  
• Identity theft protection services² (Credit File Monitoring*, 3-in-1 Credit Report*, Credit Score*, Fully Managed Identity Theft Resolution, Up to $5,000 Identity Theft Expense Reimbursement Coverage¹, Debit and Credit Card Registration*)
  
• Cash Back Member Rewards³
  
• Health Discount Savings (enjoy savings on vision and prescriptions)⁴
  
• $8.50 per month service charge for accounts with up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance - also includes up to $35,000 Scheduled Airline Insurance 

*(Registration/activation required)

1- Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit will be provided at account opening.

2- Identity theft protection services are available to personal checking account owner(s) and their natural person joint account owner(s). The services are available to non-publicly traded businesses and their business owner(s) listed on the account (services are not available to employees or authorized signers who are not owners). For revocable grantor trusts, the services are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the services cover the beneficiary, who must be the primary member (Fiduciary is not covered). Services are not available to a"signer" on the account who is not an account owner. Services are not available to clubs, organizations and/or churches and their members,schools and their employees/students.

3- Terms and conditions apply.

4- This is not insurance

Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.

Regular Checking Account

• You must deposit $100.00 to open this account.
  
• A minimum balance charge of $7.00 will be imposed every month if the daily balance for the month falls below $500.00.
• No restrictions on the number of checks you may write each month.
• MasterCard ATM/Debit card available with credit approval.
• E Statements available

Senior Checking Account

• You must deposit $100.00 to open this account.
• No monthly minimum balance charge for age 62 and over.
• No restrictions on the number of checks you may write each month.
• MasterCard ATM/Debit card available with credit approval.
• This account receives a monthly statement with images of written checks.
• There is no charge to receive a paper statement.

Student Choice Checking

• You must deposit $100.00 to open this account.
  
• No monthly minimum balance charge for full time students.
• No restrictions on the number of checks you may write each month.
• Master Card ATM/Debit card available with credit approval.
• This account receives a monthly statement with images of written checks.
• There is no charge to receive a paper statement.
• E Statements available

NOW ACCOUNT

• You must deposit $1,000.00 to open this account.
• A fee of $12.00 will be imposed every month if the balance of the account falls below $1,000.00 any day of the month.
• You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• This is a Variable Rate Account. Your interest and annual percentage yield may change.
• We may change the interest rate on your account at our discretion.
• 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 (for example checks).
• Interest on your account will be compounded monthly and will be credited to your account monthly.
• If you close your account before interest is credited, you will not receive the accrued interest.
• No restriction on the number of checks you may write each month.
• MasterCard 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-Statement is available for this type of account.
• 
  

Super Now Account

• You must deposit $2,500.00 to open this account.
• A fee of $15.00 will be imposed every month if the balance of the account falls below $2,500.00 any day of the month.
• You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
• This is a Variable Rate Account. Your interest and annual percentage yield may change.
• We may change the interest rate on your account at our discretion.
• 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 (for example checks).
• Interest on your account will be compounded monthly and will be credited to your account monthly.
• If you close your account before interest is credited, you will not receive the accrued interest.
• No restriction on the number of checks you may write each month.
• MasterCard 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-Statement is available for this type of account.
  

Money Market

• You must deposit $2,500.00 to open this account.
• A fee of $15.00 will be imposed every month if the balance of the account falls below $2,500.00 any day of the month.
• You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
• This is a Variable Rate Account. Your interest and annual percentage yield may change.
• We may change the interest rate on your account at our discretion.
• 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 (for example checks).
• Interest on your account will be compounded monthly and will be credited to your account monthly.
• If you close your account before interest is credited, you will not receive the accrued interest.
• No restriction on the number of checks you may write each month.
• MasterCard 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-Statement is available for this type of account.