First State Bank

REGULAR CHECKING ACCOUNT

You must deposit $300.00 to open this account.
A minimum balance charge of $6.00 will be imposed every month if the daily balance for the month falls below $500.00.
No restrictions on the number of checks you may write each month.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).

SENIOR CHECKING

You must deposit $300.00 to open this account.
No monthly minimum balance charge.
Discounted checks.
No restrictions on the number of checks you may write each month.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
This account receives a monthly statement with images of written checks.
There is no charge to receive a paper statement.

STUDENT CHOICE CHECKING

You must deposit $300.00 to open this account.
No monthly minimum balance charge.
No restrictions on the number of checks you may write each month.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
This account receives a monthly statement with images of written checks.
There is no charge to receive a paper statement.

NOW ACCOUNT

You must deposit $1,000.00 to open this account.
A minimum balance charge of $10.00 will be imposed every month if the daily balance of the account falls below $1,000.00 any day of the month. You must maintain $1,000.00 daily not to have a minimum balance charge and to receive the accrued interest for the period.
Interest on your account will be compounded monthly.
Interest will be credited to your account monthly.
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.
No restrictions on the number of checks you may write each month.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
The interest rate on this account is variable.

SUPER NOW ACCOUNT

You must deposit $2,500.00 to open this account
A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the period.
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.
Interest on your account will be compounded monthly.
Interest will be credited to your account monthly.
No restriction on the number of checks you may write each month.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
The interest rate on this account is variable.

MONEY MARKET

You must deposit $2,500.00 to open this account
A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month. You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest for the period.
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 no later than the business day we receive credit for the deposit of non-cash items.
Interest on your account will be compounded monthly.
Interest will be credited to your account monthly.
During any month you may not make more than 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.
Visa ATM/Debit card available with credit approval.
The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.
The interest rate on this account is variable.