Happy Holidays.
All First State Bank locations will close at Noon on 12/24 through 12/25, in observance of Christmas.
ATM, Online and Mobile Banking are available 24/7. fsb.bank/online
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 |
| Branch cash deposit (business only and excludes Small Business Checking) | $0.10 per $100 |
| Coin and currency services (business only) | First $500 free, then $0.25 per $100 |
| Deposited item returned unpaid | $15 |
| Disposable night deposit bag | Cost |
| Foreign checks processed (each) | $10 |
| 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.
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 |
| Paid Overdraft Fee or Returned NSF Item Fee | $34 (items over $20) - $10 (items greater than $5, and less than or equal to $20). No fee (items less than or equal to $5). |
| Continuous Overdraft Fee | $7 after the 5th business day and $7 each business day thereafter, if the account remains overdrawn |
For fees related to a specific product, please see that product's webpage.
No Overdraft/Returned NSF Item Fee if total overdrawn balance is less than or equal to $5. No continuous overdraft fee when total overdrawn balance is less than or equal to $5.
Personal accounts only: Maximum number of Overdraft/Returned NSF items per day is five, no matter how many items we pay/return. No limit for 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.
