Your finances are safe and secure with First State Bank.
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Schedule of Fees
Included here are both Personal and Business account fees. Also view our Rates.
| 24/7 telephone and online banking with billpay | Free |
| Account alerts¹ | Free |
| Coin and currency services (business only) | First $500 free, then $0.25 per $100 |
| Disposable night deposit bag | Cost |
| Dormant account fee checking and savings* | $3 |
| Foreign checks processed (each) | $10 |
| Inactive Checking account per month** | See TISA |
| Inactive savings accounty per month*** | $5 per month |
| Paper Statement Fee**** | $3 |
| Stop payments (each) for six months | $35 |
| Stop payments (each) for twelve months | $45 |
| Wire transfer - incoming | $15 |
| Wire transfer - outgoing | $30 |
| Wire transfer - international incoming | $18 |
| Wire transfer - international outgoing | $55 |
| Wire transfer - fax notification | $2 |
| Wire transfer - paper notification | $5 |
For fees related to a specific product, please see that product's webpage.
1. While account alerts are a free service, your phone provider may charge for text messages.
*After 3 years from the date of last activity
**Please refer to the "Additional Terms" section in the Truth in Savings Agreement for details
***No customer initiated transactions in 730 days and balance is under $500, excluding Minor Savings Accounts
****Applies to Everyday and Classic Checking only and can be waived with enrollment in e-statements
The earnings credit allowance for the Business Checking Account may be used to offset these account activity fees.
| Checking overdraft automatic transfer fee from Savings (excluding Premium Account) | $10/daily transfer |
| Continuous Overdraft Fee | $35 (on 11th business day) |
| Overdraft Paid Items | $34 (items over $20); $10 (items over $5, and up to $20); No fee (items $20 and under)han or equal to $5). |
| Overdraft Returned | $17 (items over $20); No fee (items $20 and under) |
For fees related to a specific product, please see that product's webpage.
First State Bank may refer to Returned Non Sufficient Funds (NSF) fees as "Overdraft Returned Fees."
Overdraft/Returned fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means applicable.
Overdraft fees are applicable whether the item is paid or returned.
No Overdraft Paid Fee if total overdrawn balance is less than or equal to $5.
Consumer Accounts Only: Maximum number of Overdraft fees charged per day is five, no matter how many times we pay/return. No limit to business accounts.
| 43,000 surcharge-free Allpoint nationwide and 12,000 international ATMs1 | Free |
| ATM/Debit Card1 | Free |
| Customer Balance Inquiry at Non-FSB or Allpoint ATM (each) | $2 |
| Customer Wthdrawal at Non-FSB or Allpoint ATM2 (each) | $3 |
| Non-Customer ATM Service Charge | $4 |
| Replacement of lost ATM/Debit Card or PIN number | $5 |
For fees related to a specific product, please see that product's webpage.
1. If you opted-in to the overdraft privilege program and your account is overdrawn by using your debit card, applicable fees may be charged.
2. You may also be charged a fee by the ATM owner.
| 2 ½ x 5 | $40 |
| 3 x 5 | $45 |
| 5 x 5 | $55 |
| 3 x 10 | $65 |
| 5 x 10 | $80 |
| 7 x 10 | $90 |
| 10 x 10 | $140 |
| 10 x 15 | $150 |
| 15 x 30 | $310 |
| 16 x 32 | $320 |
| Deposit on two keys | $10 |
| Late payment charge | 10% of annual rent (one month grace period) |
| Lost vault keys | $15 |
| Vault box exchange | $10 |
| Vault drilling | $225 |
For fees related to a specific product, please see that product's webpage.
Requires automatic payment from a First State Bank account.
| Account closed (within 180 days of opening) | $25 |
| Account research or reconciliation | $30 per hour |
| Cashier's checks | $8 |
| Check printing and endorsement stamps | Fees vary and depend on the style ordered |
| Copy of check | $5 |
| Counter checks | $1 |
| Customer service/branch assisted inquiry or balance transfer (each) | $3 |
| Foreign Currency | $20 |
| Gift cards - MasterCard® | $3 |
| Inactive checking account per month1 | $5 |
| Levies or garnishments | $100 |
| Loose coin (subject to count) | $.05 per one dollar counted |
| Non-customer check cashing | $10 |
| Non-customer notary fee | $10 |
| Photocopies (per copy) | $0.50 |
| Returned mail fee (per returned statement with incorrect address) | $5 |
| Signature guarantee (per document) | $15 |
| Statement copy (per statement) | $5 |
| Two signatures required2 | $10 per month |
For fees related to a specific product, please see that product's webpage.
1. No customer initiated transactions in 180 days.
2. No longer available. Applicable to existing two-signature accounts only.
| IRA transfer fee | $30 |
For fees related to a specific product, please see that product's webpage.
