When it comes to serving the needs of business owners, we pull out all the stops. All of our skills, technology and energy are focused to help your business succeed. We provide a caring staff that believes in one-on-one service and solid, competitive products to help you reach your financial goals.

Whether you're starting a new business or need a low-transaction account, this value-priced checking account is the one for you. A low monthly fee combined with moderate transaction limitations provides quality service at an affordable price.

• $5.00 monthly service charge.

• $.20 per debit over 25 per month.

• $.20 per foreign item deposited over 30 per month.

• Monthly statement with check images.

FDIC INSURED

This is our most popular commercial checking account. Your average balance earns a credit that offsets the monthly fees. With the right combination of balance and transactions, you may not even pay a service charge at all!

• An earnings credit is calculated on the average collected balance and is used to offset fees.

• $6.00 monthly service charge.

• $.15 per debit and $.10 per deposit.

• Deposited items: $.03 for on-us and $.10 for foreign items.

• Monthly statement with check images.

FDIC INSURED

Enjoy the best of both worlds - - - write checks AND earn interest on your balance. This is an account for sole-proprietors or non-profit organizations that want to maximize earnings on a transaction account.

• $1,000 minimum balance to receive interest. Contact a personal banker for interest rate and an-nual percentage yield.

• $10.00 monthly service waived with $1,000 minimum balance.

• Monthly statement with check images.

• $.10 per deposit and $.15 per debit over 30 per month.

• Deposited items are $.03 for on-us items and $.10 for foreign items.

• Sorry, not available for corporations.

Electronic Merchant Services – Accept MasterCard and Visa payments efficiently (including Discover, American Express, JCB and Diners Club if you choose to contract with them).

Choose your preferred method of processing:

• Electronic terminal with electronic printer
• Electronic terminal with manual imprinter
• Telephone processing

Each deposit is automatically credited to your business account and will appear in descriptive form on your monthly statement.

You will receive competitive pricing and FREE supplies.

Receive local, personal servicing by our Personal Bankers and Customer Contact Center which provides quality customer support – not impersonal service from an 800 number answered at a nationwide call center.

Would you like a FREE detailed analysis comparing our services with any other merchant services? Just ask a Personal Banker for this valuable offer that can save you money! Call your nearest location today.

Business Credit Cards – Apply for the convenience of or today!

• Low Fixed Rates
• No Annual Fee and No Balance Transfer Fee
• FREE Automatic Travel Insurance up to $500,000
• FREE Additional Travel Benefits – From travel reservations and dividends to medical assistance
• 0% Liability on purchases – easy dispute process
• Local Servicing – make your payment right at the teller window or call our Customer Contact Center at (800)463-7782 for information regarding your account

Request an Application TODAY –

1. E-mail us at www.firststateks.com/contact.html 
2. Call us at 800-463-7782
3. Visit the location nearest you - for locations, click www.firststateks.com/customer.html 

Three Easy Payment Options -

1. Pay at the nearest First State Bank & Trust location - for locations, click www.firststateks.com/customer.html 
2.  Mail your payment:
   To the processing center by using the mail-in coupon and envelope
   -or -
   To First State Bank & Trust, P.O. Box 219, Tonganoxie, KS 66086
3. Make your payment online: www.mycardstatement.com 

Online Servicing – In addition to making online payments, you may . . . .

• Access account and statement information
• Receive e-mail alerts
• Create expense reports

Extra security measures provided by Visa:

 

Your employees will love the convenience! You can electronically deposit your employees' paychecks into their accounts, no matter where they bank. This is an easy, affordable solution to dealing with paper checks on paydays.

As you participate in automatic payroll processing, you also qualify your employees for Partners Banking, a special checking account relationship that provides many extra benefits to your employees. See details below. Contact us today.

FDIC INSURED

Available to employees of companies and municipalities who utilize FSB&T direct deposit payroll. This is one of our very best accounts! Visit with a personal banker for more details.

• Write all the checks you like - there are NO transaction fees and NO monthly service charge.

• Earn Interest with $500.00 balance or more (contact a personal banker for interest rate and APY, annual percentage yield).

• FREE Cashier's Checks, Traveler's Checks and Money Orders.

• Discounts on personal loans. Please contact a personal banker for more information.

• Debit card or ATM card, subject to approval.

• No annual fee VISA, subject to approval.

• First box of checks FREE

• 3x5 safe deposit box FREE for first year.

• Overdraft protection available to qualified customers.

• Monthly statement with check images.

(Depending on IRA assets, a Roth IRA may or may NOT be FDIC insured.)

Roth contributions are non-deductible, and earnings accumulate TAX FREE.

• Individuals may make non-deductible contributions to a ROTH IRA of 100% of earned income or a maximum total of $3,000.00 per year in 2003, whichever is less. See table below for current contribution limits.
• Single filers with an Adjusted Gross Income (AGI) less than $95,000.00 and joint filers with an AGI less than $150,000.00 are eligible for the $2000.00 maximum contribution.
• Distributions will not be included in income or receive the 10% Premature Distribution Penalty as long as the principal and earnings have remained in the IRA for at least 5 years from the first contribution date and the withdrawal is considered a "qualified distribution".

Economic Growth and Tax Relief Reconciliation Act of 2001 Traditional and Roth IRA Increased Contribution Limits Effective 2002

Contribution Year	Contribution Limit Under Age 50	Contribution Limit Age 50 And Over
2001	$2,000.00	$2,000.00
2002	$3,000.00	$3,500.00
2003	$3,000.00	$3,500.00
2004	$3,000.00	$3,500.00
2005	$4,000.00	$4,500.00
2006	$4,000.00	$5,000.00
2007	$4,000.00	$5,000.00
2008	$5,000.00	$6,000.00
2009	COLA in $500.00 Increments	COLA in $500.00 Increments

^ BACK TO TOP ^

(Many self-directed investments are not insured by the FDIC.)

You direct your retirement savings with this flexible alternative to the traditional IRA. Funds may be invested in deposit accounts, mutual funds or stocks. Your selection of investment type determines whether the investment is FDIC insured. See a personal banker today for more information about self-directing your retirement portfolio.

(Depending on IRA assets, a SIMPLE IRA may or may NOT be FDIC insured.)

Retirement plan where employees (including the employer) can make pre-tax contributions and receive matching employer contributions.

• This IRA is for employers with fewer than 100 employees.
• Employee and employer contributions are 100% vested.
• The employer contribution must satisfy a matching contribution or a non-elective Contribution.
• See a personal banker for more details.
• Current contribution levels are noted in the table below.

Economic Growth and Tax Relief Reconciliation Act of 2001 SIMPLE IRA Increased Contribution Amounts Effective 2002

Contribution Year	Contribution Limit Under Age 50	Contribution Limit Age 50 And Over
2002	$7,000.00	$3,500.00
2003	$8,000.00	$3,500.00
2004	$9,000.00	$3,500.00
2005	$10,000.00	$4,500.00
2006	$10,000.00 plus COLA	$12,500.00 plus COLA

(Depending on IRA assets, a S.E.P. IRA may or may NOT be FDIC insured.)

This IRA is ideal for a small business or self-employed person to set up a retirement plan for himself or herself, and all employees who meet qualifications.

• Employer deposits money into employees' IRA's.
• Contribution is the lesser of 25% of compensation or $40,000.00.
• Incorporated, unincorporated, full-time or part-time businesses eligible.
• See a personal banker for more details.

We specialize in providing many types of loans, depending upon the needs of your business. Loans are available to finance the purchase of fixed assets such as equipment or machinery; to finance the purchase of inventory; to provide working capital; and refinance existing debts. Our lenders focus on customizing a loan exactly to your needs. Features may include:

• Term loans with fixed payment schedule.
• Advancing loans with flexible or advance options.
• Revolving lines of credit for established businesses.
• Secured or unsecured loans, depending on individual circumstances.