First State Bank Shannon-Polo-Lake Carroll offers a variety of checking accounts. One to suit every individual need.

SIMPLY FREE CHECKING
  • $100 minimum deposit to open
  • No Minimum Balance Required.
  • No Monthly Service Charge
  • Unlimited Check Writing.
  • Free E-Statement Delivery (optional)


  • The fee for check re-orders depends on the style of check ordered.

 

 

FIRST CLUB CHECKING ACCOUNT
Fees:
A $6.00 membership fee will be assessed each month. All of the following benefits will be yours when you become a member:

  • $100 minimum deposit to open
  • No minimum balance requirement
  • Free personalized checks
  • Unlimited check writing
  • $10,000.00 accidental death & dismemberment insurance
  • $25,000.00 scheduled airline insurance
  • Credit card protection
  • Key ring registration
  • Travel and entertainment discounts
  • Free money orders and cashiers checks
  • Custom trip routing
  • Vision care savings
  • Medical ID card
  • Free notary service
  • Free check card
  • Free combined statement (optional)
  • Free E-Statement Delivery (optional)

FIRST CLUB PLUS CHECKING ACCOUNT
Fees:
An $8.00 membership fee will be assessed each month. First Club Plus members will receive all of the benefits in First Club plus these extras:

  • $100 minimum deposit to open
  • A total of $20,000.00 accidental death and dismemberment insurance
  • $2,500.00 accidental death and dismemberment insurance coverage on each dependent child
  • Theme park and movie discounts
  • Grocery coupon savings
  • Free asset organizer
  • Debit secure for ATM or VISA check card
  • Long distance telephone service
  • Mail order and local pharmacy discounts
  • Photocopy service
  • 90 days satisfaction guarantee
  • Free E-Statement Delivery (optional)

V.I.P. CLUB ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
Minimum balance to avoid imposition of fees—A service charge of $10.00 will be assessed each monthly statement cycle if the combined balances in all of your deposit accounts fall below $10,000.00 at any time during the monthly statement cycle.

As a V.I.P. club member, you will receive the following discounts and customer benefits:

  • Personal invitation to all bank sponsored trips
  • Personal invitation to educational investment seminars & luncheons
  • Free checks
  • Free money orders and cashiers checks
  • Free photocopies
  • Free notary service
  • Free key ring protection
  • Free safe deposit box for one year
  • Free check card
  • Free combined statement (optional)
  • Free E-Statement Delivery (optional)

BUSINESS CHECKING ACCOUNT
Fees:
A monthly flat fee will be assessed based upon transaction volume and balance or the personal checking account maintenance fees may apply. Please consult one of our representatives for more information.

N.O.W. ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
Minimum balance to open the account—You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition of fees—A service charge of $5.00 will be assessed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Fees:
A per check fee of $.10 will be assessed for each check paid in excess of 15 during a statement cycle.
Checks:
The first 50 checks are free.
The fee for check reorders depends on the style of check ordered.

INVESTOR N.O.W. ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
Minimum balance to open the account—You must deposit $5,000.00 to open this account.
Minimum balance to avoid imposition of fees—A service charge fee of $25.00 will be assessed every statement cycle if the balance in the accounts falls below $5,000.00 any day of the cycle.
Fees:
A per check fee of $.10 will be assessed for each check paid in excess of 15 during a statement cycle.
Checks:
The first 50 checks are free.
The fee for check reorders depends on the style of checks ordered.

INVESTOR MONEY MARKET ACCOUNT
This is an interest bearing account. Please contact the bank for current rates.
Minimum balance to open the account—You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees—A service charge fee of $5.00 will be assessed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Transaction limitations—Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.


FDIC
First State Bank Shannon-Polo-Lake Carroll
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