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Personal Checking Accounts
Free Checking
No Monthly Service Fees. Just Free.
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- $100 Minimum Opening Deposit
- No Interest
- No Service Charges
- No minimum balance requirements
- To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account
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Elite Checking
Go green while earning some green. You could also get all of your ATM fees refunded and earn some interest, too.
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- $100 Minimum Opening Deposit
- Earn Interest*
- No Service Charges
- ATM Surcharges Refunded*
- No Paper Statements
- No minimum balance requirements
To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account
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*Requirement to Receive Elite Checking Benefits:
Sign up for electronic eStatements |
Have one Direct Deposit or ACH debit per statement cycle |
Skip the PIN and perform 15 “credit” transactions using your FSBT debit card |
Log into Online Banking or Mobile Banking once per statement cycle |
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Charter 50 Checking
50 never looked so good! Age 50+? This one's for you!
Relationship Checking
Best for those with multiple FSB&T accounts and loans!
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- $100 Minimum Opening Deposit
- Interest Bearing Account if balance in account is $5,000 or if you have $15,000 in combined balances of other FSB&T accounts and loans
- $15/mo Service Charge (waived with $5,000 balance or $15,000 combined balances, including loans)
- Discounted Boxes of Checks (Limit of 2 per year)
To prevent overdrafts, ask us about setting up an automatic transfer agreement from another FSB&T account
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Also Includes:
Discounted Relationship Checking Checks (limit of 2 boxes per year) |
Free Cashier's Checks |
Free Money Orders |
Discounted Gift Card Purchase Fees |
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Personal Savings Accounts
Regular Savings
Need to save for something? A Regular Savings account is an easy way to save and earn interest- with low monthly limits.
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- $100 minimum opening deposit
- $100 minimum balance to receive interest.
- $1 monthly service charge; this is waived if account balance is $100 or more (during four week period)
- 6 withdrawals or transfers allowed per four week period. However, a service charge of $1.00 will be assessed for each withdrawal or transfer over 3 in the same four week period.
- Interest is compounded and credited quarterly.
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Charter 50 Savings
50 never looked so good! Earn interest and receive benefits on other bank services with this savings account that is specially designed for adults age 50 and over.
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- $100 minimum opening deposit
- Designed for adults age 50 and over
- $100 minimum balance to receive interest.
- No monthly service charge
- 6 withdrawals or transfers allowed per four week period. However, a service charge of $1.00 will be assessed for each withdrawal or transfer over 3 in the same four week period.
- Interest is compounded and credited quarterly.
Includes:
Also Includes:
Free Cashier's Checks |
Free Money Orders |
Discounted Gift Card Purchase Fees |
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Kids Club Savings
Start saving from day one! Great for savings for college or other expenses your child might need as they grow.
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- $1 minimum opening deposit
- $1 minimum balance to receive interest.
- No Monthly Service Charge
- 6 withdrawals or transfers allowed per four week period. However, a service charge of $1.00 will be assessed for each withdrawal or transfer over 3 in the same four week period.
- Interest is compounded and credited quarterly.
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Savings Club Account
Save for a summer vacation, holiday shopping or any other special purpose.
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- No minimum opening deposit
- Funds are automatically disbursed to a specified FSBT account annually. Disbursement dates are May 15th or November 15th
- No service charges.
- Interest is credited annually.
- $1 minimum balance to receive interest.
- Have funds automatically transferred from another FSB&T account or from your payroll deposit
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Money Market
For liquid savings with check writing capabilities. Open a new Money Market account today and start maximizing your interest!
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- $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.
- Monthly statements with check images.
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Performance Money Market
Provides a higher rate of return than a regular savings account. In fact, it is performance based – the higher the balance, the better the rate! The Performance Money Market Account is designed especially for those who plan to maintain a balance greater than $150,000.
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- $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 $10 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.
- Monthly statements with check images.
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Certificate of Deposit Accounts (C.D.'s)
Save for your long-term goals. This is an investment that pays a fixed rate and has a maturity date.
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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)
Your Certificate of Deposit could be subject to a penalty if you withdraw any of the principal before the maturity date. Please refer to the bank's Deposit Agreement for details.
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Individual Retirement Accounts (I.R.A.'s)
Enjoy financial security by saving for your retirement! First State Bank & Trust offers several types of IRA's.
Traditional IRA
The amount contributed to your IRA may be tax deductible, depending on your adjusted gross income. Check with your tax advisor to learn if this is a good option for you.
Note: Some IRA investments may not be insured by the FDIC. 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.
Roth IRA
Contributions are not tax deductible but earnings grow tax-free. This is excellent account to save for retirement and make tax-free withdrawals later on.
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- 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".
Note: Some IRA investments may not be insured by the FDIC. 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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SIMPLE IRA (Savings Incentive Match Plan for Employees)
This is a retirement plan where employees (including the employer) can make pre-tax contributions to IRAs. Available for businesses with fewer than 100 employees.
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- 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.
Note: Some IRA investments may not be insured by the FDIC. 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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S.E.P. IRA (Simplified Employee Pension Plan)
This IRA is ideal for a small business or a self-employed individual to set up a retirement plan for himself or herself and all employees who meet qualifications. Annual contribution limits for the S.E.P. IRA may be higher than those for Traditional or Roth IRAs.
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- 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.
Note: Some IRA investments may not be insured by the FDIC. 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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