• You must deposit $100.00 to open this account.
• 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 will be compounded quarterly and will be credited in your account quarterly.
• If you close your account before interest is credited, you will not receive the accrued interest.
• You may make six (6) free debits from your account each quarter. A fee of $2.00 will be imposed for each subsequent debit.
• During any month you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
• Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
  

CHRISTMAS CLUB

• • You must deposit $5.00 to open this account.
  • 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 will be compounded quarterly and will be credited back at the end of the term.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.

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.