Our downtown Athens drive thru ATM and night deposit box will be closed until further notice. Please use our Tyler Street ATM and night deposit box located at 1114 E. Tyler Street. The ATM located inside the downtown Athens branch will be available during regular lobby hours.

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Personal Checking

Checking accounts designed with you in mind.

 

At First State Bank, our personal banking programs are designed to make your life easier and more efficient, while keeping your privacy and security our first priority. To help you keep all of your banking in one convenient location, First State Bank offers various checking accounts to meet your needs. 

Whether you choose to open your account online below or visit your local branch, we stand ready to help you with all your financial needs. Have further questions? Call us at 903-676-1900 today!  

 

E-Statements

 

Transitioning to electronic statements with online banking can improve and ultimately replace your paper statements (which eliminates paper waste), with the added benefits of higher security and more convenience.  

Electronic statements, or E-Statements, offer our customers multiple benefits:

  •  Immediate availability
  • Convenient access
  • Increased Security
  • Eco-friendly
  • Reduced clutter
  • Simple sign-up

Enroll today and discover all the advantages of e-statements. Simply log in to Online Banking, Click on E-Statements, Select the accounts you want to include, Verify email address where notification will be sent, Read and sign the Electronic Statement Disclosure, Check box next to terms and conditions, enter the confirmation code & Accept.


First State Bank Rewards Program

A FREE program that rewards you for using your debit card.  Consider it our little "Thank You" for being a loyal customer.  It's easy!  We'll give you points for simply using your First State Bank Debit Card to purchase merchandise or services.  Then, redeem your points and receive great gifts and merchandise.

Rewards


 

 

1 Hoopla smaller

 

 FREE with
E Checking
Regular
 Checking
Key Account
Checking
 

ENROLL NOW

ENROLL NOW

 
Minimum to open$100$100$100
Minimum BalanceNo Minimum$1,000No Minimum
Monthly Service FeeNoneSee Below (1)See Below (2)
InterestN/AN/AN/A

FSB Debit Card

(Initial Card)

   
ATM Access
(FSB & Austin Bank at no cost)

Online Banking

(Free)

Bill Pay Service

(Free)

StatementsFree E-Statements
Images Accessible Online**
Free Paper Statement 
Images Provided
Free Paper Statement 
Images Provided
Other Services Included  
  • 3 Free Cashier Checks per month  
  • Accidental Death Insurance
  • Free Key Account Checks
  • Safe Deposit Box Discounts 
  • Travel Book Discounts

 (1): $8 service charge if balance falls below $1,000 at any time within the month.  The $8.00 service charge is waived on senior accounts on the month following notification by the customer to the bank that they have reached the age of 62 years or older.

 (2): $8 Basic Plan Coverage ($10,000 Coverage)*, $10 Family Plan Coverage ($30,000 Coverage)*

 *Accidental Death Insurance not FDIC insured, not a deposit, not guaranteed by the bank, not insured by any federal government agency. 

 ** Paper Statements without images available for $4.00 per month.

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