Beginning March 24, 2026: Logging in to Online Banking will require a 6-digit code sent to your phone via text or voice call, replacing traditional security questions for a faster and more secure experience. Please verify that your mobile or direct phone numbers are up to date. For assistance, call (903) 676-1900.
Overdraft Practices and Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
To make changes to your Overdraft Protection Program, call (903) 676-1900, send an email to customerservice@bankfsb.com or download and complete the form below and either present it at any of our branch locations or mail it to First State Bank, P.O. Box 471, Athens, TX 75751.
- Download our Overdraft Practices and Fees.
We'd Love to Help
For questions and additional information on any of our products, please contact one of our E-Commerce Representatives at (903) 676-1900.
