First State Bank’s SMART Senior® Checking account offers many valuable benefits including no minimum balance along with the following unique services:

• No Minimum Balance Required¹
• Free SMART Senior® Custom Checks
• Free Cashier’s & Traveler’s Checks
• Increase on posted CD Rates²
• 25% Discount on one Safe Deposit Box
• Unlimited Phone Inquiries
• Free Notary Service
• Free Online Banking
• Free Unlimited Online Bill Pay
• Free E-Statements
• Free Personalized Credit Card, with No annual fee³
• Free Monthly Check Images
• Free Direct Deposit
• Free Debit /ATM Card
• Free Combined Statements
• Free 24-Hour TellerPhone®

(1) Must be 50 years or older to qualify for account (2) Variable rate set by Bank. Does not apply to advertised CD rates. (3) Subject to credit approval

Minimum opening deposit: $100

Disclosures

If the senior account isn't right for you, check out our other SMART options!

SMART PREFERRED ® SUPER NOW CHECKING

First State Bank’s SMART PREFERRED® Checking account offers our highest rate, interest-bearing checking account along with premier services for preferred customers including:

• Free SMART PREFERRED® Custom Checks
• Free Gold Debit/ATM Card
• Free Non-First State Bank ATM Transactions – 3 per statement cycle¹
• Free Cashier’s & Traveler’s Checks
• ¼% Increase on posted CD Rates²
• 6 Free Overdraft Transfers per cycle
• 25% Discount on one Safe Deposit Box
• Free Online Banking
• Free Unlimited Online Bill Pay
• Free E-Statements
• Free Notary Service
• Personalized Credit Card, with No annual fee³
• ¼% Discount on Auto, Marine & Personal Consumer Loans³
• $250 Discount on Mortgage Closing Costs³
• 50% Discount on Stop Payment fees
• Free Monthly Check Images
• Free Incoming Wires
• Free 24-Hour TellerPhone®, Direct Deposit & Combined Statements

(1)Other Bank fees may still apply (2) Does not apply to special advertised CD rates
(3) Subject to credit approval

Minimum opening deposit: $100

Disclosures

SMART CHOICE ® NOW CHECKING

First State Bank’s SMART Choice® NOW Checking account offers an interest-bearing checking account along with many valuable benefits and services including:

• Interest Bearing Account
• Free Debit /ATM Card
• Free Online Banking
• Free Unlimited Online Bill Pay
• Free E-Statements
• Personalized Credit Card, with No annual fee¹
• Free 24-Hour TellerPhone®
• Free Direct Deposit
• Free Monthly Check Images
• Free Combined Statements

(1) Subject to credit approval

Minimum opening deposit: $100

Disclosures

SMART FREEBEE ® CHECKING

First State Bank’s SMART FreeBee® Checking account offers many valuable benefits including no minimum balance along with the following services:

• No Minimum Balance Required
• No Per Check Charges
• Free Debit /ATM Card
• Free Online Banking
• Free Unlimited Online Bill Pay
• Free E-Statements
• Free 24-Hour TellerPhone®
• Free Direct Deposit
• Free Personalized Credit Card, with No annual fee¹

(1)Subject to credit approval

Minimum opening deposit: $100

Disclosures