Business Banking


Commercial Checking


  • Minimum Open Deposit of $500
  • A monthly maintenance fee of $6.00 will be charged, and a $0.20 fee will be charged for each debit
  • Earnings Credit: This account features an earnings credit which is applied to reduce or eliminate fees on the account.  If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit. The earnings credit will be calculated by applying the periodic earnings credit rate to the minimum balance in the account for the period.  Currently, the periodic earnings credit rate for your account is 0.2%.  At any time and at our discretion, the periodic earnings credit rate may change.  The period we use is the monthly statement cycle. You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.
  • Unlimited Deposits can be made
  • Detailed statement with check images
  • Free Telephone Banking
  • Free ATM/Debit Card
  • Free Online Banking with Bill Pay


Commercial Loans


At First State Bank, we've designed our range of services around the needs of every individual. Our lending personnel are trained to advise and assist you in securing the type of loan that suits your particular need.  Your choices range from:

  • Auto
  • Equipment
  • Mortgage
  • Real Estate
  • Personal
  • Business
  • Home Improvement
  • And many more with flexible terms and competitive rates

Convenient payment options are also available including an automatic debit from your commercial checking account. It only takes a simple application on most loans to get a quick response to your borrowing needs. Our Loan Officers are ready to answer your questions and assist you in determining the loan that is right for you. Contact us or visit one of our local branches for more details on your next loan.