Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Updated Branch Hours
Effective Monday, September 29, 2025
Lobby & Drive-thru Hours: Monday – Thursday 9:00 a.m. – 5:00 p.m. Friday 9:00 a.m. – 5:30 p.m. Saturday & Sunday Closed
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FIRST STATE BANK – FEES
Effective January 9, 2024
DDA Fees:
REGULAR CHECKING – $4.00 FEE IF BALANCE FALLS BELOW $300.00 – .20 CENT PER DEBIT ITEM FEE NOW CHECKING – $6.00 FEE IF BALANCE FALLS BELOW $500.00 – .20 CENT PER DEBIT ITEM FEE BUSINESS CHECKING – $6.00 MAINTENANCE FEE .20 CENTS PER DEBIT ITEM FEE .10 FOREIGN ITEM
STOP PAYMENT FEE:
SINGLE CHECK: $25.00
RANGE OF CHECKS: $30.00
| OVERDRAFT OR NSF ITEM - CHARGE PER ITEM | $25.00 |
| DAILY OVERDRAFT CHARGE | $5.00 |
| DORMANT ACCOUNT FEE | $15.00 |
| SAVINGS PASSBOOK SERVICE FEE (BALANCE UNDER $100.00 MONTHLY) | $5.00 |
| CLOSED SAVINGS ACCOUNTS WITHIN 90 DAYS | $20.00 |
| NSF ITEMS | $25.00 |
| DORMANT ACCOUNT FEES | $15.00 |
| STOP PAYMENT FEE | $25.00 |
| CASHIERS CHECK | $5.00 (CASE BY CASE) |
| MONEY ORDER ($1000.00 MAXIMUM) | $2.00 |
| INDEMNITY BOND- REFER TO OFFICER- APPOINTMENT NECESSARY | $10.00 |
| LEVYS/GARNISHMENT | $50.00 |
| WIRE TRANSFER - CUSTOMER | $20.00 |
| WIRE TRANSFER - CABLE FEE | $40.00 |
| FIRST STATE BANK ZIPPER BAG ( FOR CUSTOMERS ONLY) | $5.00 (CASE BY CASE) |
| NIGHT DEPOSIT LOCK BAG(BAG, LOCK, & 2 KEYS) | $20.00 (CASE BY CASE) |
| RESEARCH FEE PER HOUR | $20.00 |
| RETURN CHECK FEE | $5.00 |
| SMALL | $35.00 PER YEAR |
| MEDIUM | $40.00 PER YEAR |
| MED/LARGE | $45.00 PER YEAR |
| LARGE | $50.00 PER YEAR |
| SAFE DEPOSIT BOX RENT - PAST DUE 3O DAYS | $15.00 |
| SAFE DEPOSIT BOX - DRILLED | $150.00 |
| SAFE DEPOSIT BOX - LOST KEY | $15.00 |
| ATM CARD REPLACEMENT OR ATM PIN REPLACEMENT | $10.00 |
| ATM FOREIGN ITEM FEE (TRANSACTION AT ATM FSB DOESN'T OWN) | $1.00 |
| Year | 1st Quarter | 2nd Quarter | 3rd Quarter | 4th Quarter |
| 2014 | 63.27% | 66.05% | 65.44% | 64.43% |
| 2015 | 57.45% | 62.44% | 62.08% | 63.31% |
| 2016 | 63.38% | 64.28% | 64.56% | 65.72% |
| 2017 | 62.78% | 64.38% | 62.76% | 64.18% |
| 2018 | 60.95% | 67.90% | 67.61% | 72.84% |
| 2019 | 71.83% | 74.41% | 73.17% | 78.94% |
| 2020 | 72.88% | 67.51% | 63.72% | 64.58% |
| 2021 | 57.78% | 55.77% | 56.19% | 57.41% |
| 2022 | 53.45% | 56.77% | 55.95% | 58.44% |
| 2023 | 55.74% | 59.75% | 60.29% | 66.62% |
| 2024 | 62.01% | 65.67% | 65.42% | 63.26% |
| 2025 | 67.29% |