Online Banking

Deposit Accounts

First State Bank offers a variety of deposit accounts designed to meet your financial needs.

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Deposit Products

Included in all Checking Accounts

  • Free E-Statements
  • Free Online Banking
  • Free Check Image Statement
  • VISA Debit Card (restrictions may apply)
  • No Charge Mobile Banking*
  • Free ATM Transactions Nationwide (We will automatically refund any ATM fee)
  • Identity Theft 911tm Resolution Service

*Message and data rates may apply.

First Star Checking

Enjoy the all of the benefits listed above including free e-Statements and Online banking as well as the additional perks listed below.

Perks

  • Free Personalized First Star Checking Checks or $6 Discount on Any Style
  • Direct Deposit
  • Free Money Orders & Travelers Checks
  • Free Notary Service
  • Everyday Rebate Rewards
  • Savers Club Book

Minimum Balance

  • No Minimum Balance Required ($100 minimum opening deposit)

Interest

  • Interest** on Balances Over $500

Fees

  • $6 per Month Maintenance Fee

**Variable interest rate, subject to change at any time,
paid on the collected balance - compounded each
statement cycle. Call your local New Accounts
representative for rates in your area.

 

Protection

  • Identity Theft Insurance
  • Overdraft Privilege Available (Up to $700) (Restrictions May Apply)
  • Basic Plan-$10,000 24-Hour Accidental Death & Dismemberment Insurance Increasing to $35,000 Scheduled Airline Coverage (additional monthly fee for increased coverage)

 

First Rate Seniors Checking**

Perks

  • Free First Rate Senior Checks or $6 Discount on Any Style
  • Direct Deposit
  • Free Money Orders & Treavlers Checks
  • Free Notary Service
  • Everyday Rebate Rewards
  • Savers Club Book
  • Free 2x5 Safe Deposit Box for 1st year (Based on Availability)
  • Travel Reservations & Cash Rewards
  • Key Ring
  • Seminars & Special Events
  • Investment/Brokerage Service

Minimum Balance

  • No minimum balance required ($100 minimum opening deposit)

Fees

  • $4 per Month Maintenance Fee

 


**Variable interest rate, subject to change at any time, paid on the collected balance - compounded each statement cycle. Call your local New Accounts representative for rates in your area.

 

Interest

  • Interest** on Balances Over $500

Protection

  • Identity Theft Insurance
  • $10,000 24-Hour Accidental Death and Dismemberment Insurance Increasing to $150,000 common carrier coverage
  • Purchase Protection & Extended Warranty
  • Payment Card Protection
  • Medical Emergency Data Card
  • Rx Advantage Prescription Drug Program

 

 

 

 

 

Super NOW Checking

Perks

  • Free E-Statements
  • Free Online Banking
  • Free Check Image Statement
  • VISA Debit Card (restrictions may apply)
  • No Charge Mobile Banking*
  • Free ATM Transactions Nationwide (We will automatically refund any ATM fee)

Fees

  • $6 per Month Maintenance Fee if Minimum Balance is Below $500

 

*Message and data rates may apply.

**Variable interest rate, subject to change at any time, paid on the collected balance - compounded each statement cycle. Call your local New Accounts representative for rates in your area.

 

Interest

  • Interest** on balances $500 or more($100 minimum opening deposit)

Minimum Balance

  • No minimum balance required ($100 minimum opening deposit)

Free Checking

Perks

  • Free E-Statements
  • Free Online Banking
  • Free Check Image Statement
  • VISA Debit Card (restrictions may apply)
  • No Charge Mobile Banking*
  • Free ATM Transactions Nationwide (We will automatically refund any ATM fee)

Minimum Balance

  • No minimum balance ($100 minimum opening deposit)

Fees

  • No Monthly Maintenance Fee

*Message and data rates may apply.

   

Savings & Money Market Accounts

Regular Savings

First State Bank's savings account is a great way to set aside funds for that special event, purchase or simply to have reserve funds for a rainy day. ($25 opening deposit required in NE, $100 in CO)

First Rate Savers Account

(only available at Nebraska locations)

The First Rate Savers savings account is specifically designed for kids ages 0-13. 

  • No opening balance minimum
  • Earn points each month a deposit is made
  • Once a year redeem points in the Super Savers Super Store during America Saves week
  • seminars/special events for additional points

Money Market Deposit Account

First State Bank's Money Market Account allows your reserve funds to earn a competitive rate while maintaining easy access. ($800 minimum opening deposit required)

 

   

Certificates of Deposit

Basic Certificate Of Deposit

First State Bank offers certificates of deposit ranging in maturity from 3 to 60 months. These certificates offer a competitive rate in addition to the safety and security of First State Bank's membership in the Federal Deposit Insurance Corporation (FDIC). ($500 minimum deposit to open)

 

 

Flex Certificate Of Deposit

First State Bank's 24 month Flex Certificate offers the same safety and security of our basic certificates plus 3 additional features that make the certificate truly flexible.

Flex Features:

  • The interest rate can be changed once during the term, providing protection if interest rates increase.
  • Additional deposits can be added to the certificate in an amount equal to the original deposit. This provides the opportunity to lock in a rate for future deposits if interest rates should decrease.
  • Withdrawal of any portion of the deposit that has been on deposit for more than 6 days without any penalty. This investment stands alone with its ability to offer security, protection for interest rate increases and decreases, and liquidity all with a competitive rate. ($500 minimum deposit to open)

Individual Retirement Accounts (IRA's)

The future can be a lot brighter if you begin saving today. First State Bank offers a number of IRA plans. The interest earned on traditional IRA's is not subject to Federal Income Tax as long as it remains in your account. When you withdraw funds you may then pay taxes on the amount withdrawn, unless you are transferring the funds into another IRA. After you reach 70 1/2, you must withdraw your funds totally or take annual distributions. For more information, consult your tax adviser.

Other options for your retirement funds are the Roth IRA, where you retirement funds can earn interest that may not be taxed at withdrawal, or the Coverdell Education Savings.

Your First State banker will explain the benefits of an IRA and help you select the qualified investment that's right for you.

   

Other Financial Services Available

  • Nebraska's Long-Term Care Savings Plan More Information
  • Health Savings Accounts
  • Christmas Club Accounts
  • ETA Savings Accounts

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