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Personal Banking

Checking Accounts Savings & CDs Loans Options


Custom-made Checking from First State Bank

Choose from a variety of checking accounts with personalized options to fit your every banking need.  Simplify your banking with convenient statements, free check imaging, 24 hour Dial A Bank telephone banking, and user friendly on-line banking services.

Open your personal checking account today by calling one of
our friendly bankers at 1-641-527-2535 or e-mail us.

 

1st Value Checking
“Introducing a hassle free checking account with no monthly service fee!”

Our 1st Value Checking account knows its name.  No monthly service fee!  Open today with a minimum deposit of $50.00 and enjoy value-filled checking.

  •  $50 opening deposit required
  •  No monthly service fee
  •  Free notary service
  •  Add a debit card for just $1 per month
  •  Free e-statements ($1 for printed statements)

Open your 1st Value checking account today by calling one of our friendly bankers at
1-641-527-2535 or click here to e-mail us.

1st Class Checking
“Take advantage of the many free features of the 1st Class Account.”

Great value for a small price.   Benefit from travel discounts, free checks, a free debit card, coupons, and much more.  Open with a $50.00 minimum deposit.  The monthly service charge will
be waived for customers with $15,000 or more in accounts at FSB.

  • $50 opening deposit required
  • Free checks
  • Free debit card
  • Free money orders and notary service
  • Free overdraft protection
  • Explore Iowa discounts
  • $7 monthly club membership waived with $15,000 or greater bank relationship
  • Much more

Ask for more details today by calling a bank professional at 1-641-527-2535 or click here to e-mail us.

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1st Rate Checking
“Earn interest on your checking account”

By choosing a 1st rate checking account, your money works for you by earning a competitive interest rate on your checking balance.

  • Earn interest on daily balances
  • No monthly service fee unless balance falls below $1000 or $1500 average
  • Free notary service
  • Free debit card

Call one of our expert personal bankers  at FSB for current rates and more information on the 1st Rate checking account at 641-527-2535 or click here to e-mail.

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1st Traditions Checking
“Benefit from club membership exclusively for those 55 or over”

Get all the features of Club Membership for a low monthly charge of $3. The monthly service charge will be waived for customers with $15,000 or more in accounts at FSB.

  • $50 opening deposit required
  • Free checks
  • Free debit card
  • Free money orders and notary service
  • Free overdraft protection
  • Explore Iowa discounts
  • $3 monthly club membership waived with $15,000 or greater bank relationship
  • Much More


Ask for more details today by calling a bank professional at 1-641-527-2535 or click here to e-mail us.

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Savings Options

Guarantee your future with Our Personal Savings choices

Reach your financial goals quicker by choosing the personal savings option that fits your needs.  Whether you’re putting money aside for a college degree, a new home or car, or your retirement, we have just what you need to save more money.

Choose from Regular Savings accounts with competitive tiered rates, high earning Certificates of Deposit, or Individual Retirement Accounts, to help you earn the most money.

Regular Savings  ♦  Christmas Club Savings  ♦  CDs & IRAs


Regular Savings

Reap the benefits with our Regular Savings Account. As your balance grows, so does your interest rate.  Just deposit $10 to start your savings. Great for any age saver!

  • $10 opening deposit required
  • No service fess
  • Avoid $1 dormant fees by depositing or withdrawing at least once a year.

Start earning today with your First State Bank Savings Account.  Call one of our savings specialists at 641-527-2535 or click here to e-mail.

Christmas Club

Never have to worry if you’ll have enough money to buy gifts for all those on your Christmas List!  Just make periodical deposits to your Christmas Club Savings.  The 1st week of November we’ll mail you a check for the amount you’ve saved all year long plus interest.  Just in time to do all of your shopping!

  • Just $10 to open
  • Interest earned all year long
  • Check mailed to you in November

Eliminate worries with a Christmas Club account.  Start today by calling 641-527-2535 today.

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Certificates of Deposit (CDs)

Let our experienced deposit experts work with you to choose term and rate that fits your needs.  Don’t jeopardize your earnings with a CD term that doesn’t meet your needs.  Start with as little as $500.  (A penalty may be imposed for early withdrawal.)


  • Many term lengths available
  • Minimum deposit to open is $500
  • Interest may be compounded, added to a FSB account or paid by check
  • Penalty for early withdrawal.

Learn how we can help you earn more! Call  one of our friendly CD professionals today to open your CD account at 641-527-2535 or click here to e-mail.

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Loans

We’ve got flexible loans to make your dreams come true

Our friendly, experienced loan staff can find just the right loan to fit your needs. Our loans are very competitive and we promise to give you quick service. Most decisions on any loan request within 24 hours after all necessary information is provided.

For loan rates and other related information please give us a call or stop by one of our offices to meet one of our friendly loan officers.

 

We offer

  • Home construction loans
  • Home loans (purchase or refinance)
  • Home Equity loans
  • Vehicle loans
  • Recreational equipment loans
  • Personal loans

 

iHELP Private Student Loans for First State Bank

There are many ways to pay the cost of college. After considering federal loans, scholarships and grants you may still have a gap to pay your total college costs.

First State Bank works with iHELP to provide an attractive private student loan. Applying for an iHELP Loan is easy and takes as little as 15 minutes.

Click here to learn more and apply

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