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FDIC INSURED |
At First State Bank & Trust, you can get Free Checking that's better than the average free checking account. Why? At First State Bank & Trust, we offer a guilt-free, no hassle solution to insufficient checks called Account Guard. This enhancement is newly available to most of our Free Checking customers. Please call 800-463-7782 or stop in at any location for more details. Also, qualified applicants receive a free debit card or ATM card to use with their Free Checking Account.
Additional Account Features -
- No monthly service charge.
- No transaction limits.
- Account Guard privileges available to qualified accounts.
- Debit card or ATM card available to qualified applicants.
- Monthly descriptive statement.
Contact us today to take advantage of this great account!
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FDIC INSURED |
This is a non-interest checking account that features an affordable monthly service charge.
- Includes 30 checks (or debits) per month. Fee of $.25 per check over 30.
- $6.00 monthly fee is waived with a $300.00 minimum balance.
- Debit card or ATM card available to qualified applicants.
- Monthly statement with check images.
- To protect against overdrafts, choose a FirstLine Overdraft line of credit (available with approved application)OR automatic transfer from another account.
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FDIC INSURED |
Earn interest while paying your household bills. Contact a personal banker for current interest rate and annual percentage yield.
- $1,000.00 minimum to receive interest.
- Monthly compounding and crediting of interest.
- $7.00 per month fee waived with a $1,000.00 minimum balance.
- Debit card or ATM card available to qualified applicants.
- Monthly statement with check images.
- To protect against overdrafts, choose a FirstLine Overdraft line of credit (available with approved application)OR automatic transfer from another account.
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- Withdraw cash, make deposits, transfer funds and obtain account balances.
- Withdraw up to $450.00 per day.
- Use your ATM card at any ATM machine bearing the Shazam or Cirrus logo.
- No charge for transactions at First State Bank & Trust ATM machines.
- Subject to approval.
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- Withdraw cash up to $505 per business day.
- Purchase goods and services up to $2505.00 per business day cycle, inclusive of cash withdrawals.
- No annual fee or cost to have the card.
- Withdraw cash, transfer funds and obtain account balances at ATM machines.
- Available to qualified applicants.
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Most
of the investments listed below are insured by the Federal Deposit Insurance
Corporation up to $100,000. You can increase your personal FDIC insurance
coverage with proper structuring of accounts (i.e. joint tenants, trust,
payable on death accounts, etc.). Ask a personal banker for more information.
You
may also click below to learn more about deposit insurance and to estimate
your level of insurance using EDIE, the Electronic Deposit Insurance
Estimator.
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FDIC INSURED |
A higher interest savings account with limited check writing. The annual percentage yield you earn is indexed to the 91-day t-bill rate. Contact a personal banker for current interest rates and annual percentage yields.
- $1,000 minimum balance to receive interest.
- $10 per month service charge; this is waived if minimum balance is $1,000 or more.
- Six withdrawals permitted per statement cycle (only three to third parties).
- Fee of $3 per debit over six per month and a fee of $.20 cents per foreign item deposited over 30 per month.
- Interest is compounded and credited monthly.
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FDIC INSURED |
Start saving for your goals today! See a personal banker for current interest rate and annual percentage yield for this interest-bearing account.
- $100 minimum balance to receive interest.
- $3 quarterly service charge; this is waived if account balance is $100 or more. Also waived for customers under age 21or over age 62.
- Six withdrawals allowed per month. Fee of $1 per withdrawal over six per calendar quarter.
- Interest is compounded and credited quarterly.
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FDIC INSURED |
Save for a summer vacation, holiday shopping or any other special purpose. Contact a personal banker for current interest rate and annual percentage yield.
- A check is mailed to you at maturity - - - either May 15 or November 15.
- No service charges.
- Interest is credited at maturity.
- $100 minimum balance to receive interest.
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FDIC INSURED |
Save for your long-term goals. This is an investment that pays a fixed rate and has a maturity date. We run frequent specials, so be sure to see a personal banker for current interest rates and annual percentage yields.
Terms Available:
- 91 day ($2,500 minimum)
- 182 day ($2,500 minimum)
- 12 month ($500 minimum)
- 18 month ($500 minimum)
- 24 month ($500 minimum)
- 30 month ($500 minimum)
- 36 month ($500 minimum)
- 60 month ($500 minimum)
- 60 month flex-change certificate ($5000 minimum)
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Mutual
funds, stocks and bonds are not deposits or obligations of any
bank; are not guaranteed by any bank; and are not insured or guaranteed
by the FDIC, Federal Reserve Board or any other government agency.
Investment in mutual funds, stocks or bonds involves risk, including
possible loss of principal. Additional information is available
from our personal bankers. Please contact us.
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(Some IRA investments may not be insured by the FDIC.)
Enjoy financial security by saving for your retirement. Contact a personal banker for current interest rates and annual percentage yields. Following are some of the IRA accounts that we offer.
- Traditional IRA (FDIC insured).
- Roth IRA (FDIC insured).
- Education IRA (FDIC insured)
- Savings Incentive Match Plan for Employees (SIMPLE).
- Simplified Employee Pension (SEP).
- 12-month, 18-month, 30-month and 60-month accounts available.
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(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. Contact a personal banker today for more information about self-directing your retirement portfolio.
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Mutual
funds, stocks and bonds are not deposits or obligations of any bank;
are not guaranteed by any bank; and are not insured or guaranteed
by the FDIC, Federal Reserve Board or any other government agency.
Investment in mutual funds, stocks or bonds involves risk, including
possible loss of principal. Additional information is available
from our personal bankers. Please contact us.
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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 |
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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 |
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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.
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FDIC INSURED |
Designed specifically to meet the needs of those 50 and over, the Charter 50 account at First State Bank & Trust offers many special features, such as free, personalized checks, unlimited check-writing and preferred CD rates. Call or come by to see a personal banker for more information.
- Unlimited personalized club checks are provided free with this account.
- No minimum balance fee if you maintain at least $100.00 in your account ($5.00 per month if balance falls below $100.00)
- Earn interest if $1,000.00 minimum balance is maintained. Contact a personal banker for interest rate and annual percentage yield.
- Debit card or ATM card provided to qualified customers.
- Free cashier checks, travelers checks and money orders.
- Preferred Certificate of Deposit rates. Ask a personal banker for interest rates and annual percentage yield.
- Group travel and entertainment opportunities. Check with a personal banker for details.
- Monthly statement with check images.
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OKTOBERFEST, Hot Springs, Arkansas - October 15-17, 2003
Cost includes – round trip transportation via deluxe motor coach, two nights lodging with baggage handling, three meals, paid admission to all listed attractions and professional tour escort.
Departing from Basehor and Tonganoxie. Please call Cleta at 800-463-7782 or 785-331-6178 for departure availability from Perry.
$339.00 per person – single occupancy
$295.00 per person – double occupancy
$285.00 per person – triple occupancy
$280.00 per person – quad occupancy
$75 deposit due September 1st - Balance due October 1st
Departing from Basehor and Tonganoxie. Please call Cleta at 800-463-7782 or 785-331-6178 for departure availability from Perry.
Price: $62.00 per person - Due by November 3rd
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Savings
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FDIC INSURED |
This is a fun club designed especially for children and promoted by our squirrel mascot, Penny. Penny makes frequent appearances at all locations, and each Kid's Club member receives special gifts and benefits. See a personal banker for interest rate and annual percentage yield, and for Penny's schedule!
- Open with only $1 and earn interest on first $1.
- Receive a "Penny Pack" with savings bank, membership card, card holder and $1 squirrel buck.
- Interest is compounded and credited quarterly. Statements are mailed quarterly.
- Six withdrawals allowed per month.
- Service charges are waived for those under 21 years of age.
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FDIC INSURED |
Learn the value of saving money at an early age. See a personal banker for interest rate and annual percentage yield.
- Open with only $1.
- $100 minimum balance to receive interest.
- Interest is compounded and credited quarterly.
- Six withdrawals allowed per month.
- Service charges are waived for those under 21 years of age.
- Quarterly statements.
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FDIC INSURED |
Student Advantage Checking is a free checking account designed especially for students.
- No monthly service charge.
- No transaction limits. Write as many checks as you like!
- Discounted checks provided for students.
- Overdraft privileges available to qualified applicants.
- Debit card or ATM card provided with approved application.
- Monthly descriptive statement.
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- General Deposit Account Disclosure
- Deposit
Account Agreement Disclosure
- Privacy
Disclosure
- Online Banking Agreement
- Online Bill Payment Agreement
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