We look at our relationships with businesses as being reciprocal. If your business is successful, we are too. Business owners are the reason our community stays grounded, which is why we have designed checking accounts to make things easier for your operations. From regular business checking accounts that help you run smoothly, to money market accounts that allow you to earn a higher rate of return on your money without putting it at risk.
Check tampering remains a threat to businesses despite the popularity of electronic payments. The counterfeiting of checks is on the rise due to sophistication in color copying and publishing. Positive Pay allows you to protect your business from fraud threats by check.
How does it work?
For more information on the product and associated costs, please contact firstname.lastname@example.org or call (903) 676-1900.
Get a card that's as unique as you are. We now offer a wide variety of custom designs that are local to our community. From animals to landmarks, choose a design to customize your debit card and add a little fun to your wallet!
Custom Debit Card Fees
Cost per customized card - $20
Expiring card - $20 to replace with custom image
Lost/stolen card - $20 to replace with custom image
Contact any branch to place your order. Normal processing time applies - We can do instant issue for an additional $15.
|Business Checking||Money Market Checking**||Tiered Money Market Checking|
|Minimum to Open||$100||$1,500||$10,000|
|Monthly Service Fee||See Below (1)||See Below (2)||See Below (3)|
|Interest||N/A||Set Periodically||Set Periodically***|
FSB Debit Card
(FSB & Austin Bank at no cost)
Bill Pay Service
|Statements||Free E-Statements* Images Accessible Online||Free Paper Statement||Free Paper Statement|
(1): $10 service charge if balance falls below $1,500 at any time within the month. $0.15 per check charge after first 25 checks if balance falls below $1,500.
(2): $10 service charge if balance falls below $1,500 at any time within the month. Three withdrawals per month allowed at no charge; withdrawals in excess of three are charge $10.00 per withdrawal.
(3): $10 service charge if balance falls below $10,000 at any time within the month. Three withdrawals per month allowed at no charge; withdrawals in excess of three are charge $10.00 per withdrawal.
* Paper statement with images available for $3.00 per month.
* All Business Accounts subject to Account Analysis
** Preauthorized third party transfers including ACH debits, transfers to cover overdrafts, and transfers by phone, telebank, or internet banking limited to six within a statement cycle.
*** Interest Tiers: $0.01 to $25,000, $25,000.01 to $50,000.00, $50,000.01 or Greater
**** $15 Monthly plus $.55 per Debit/Credit for Cash Management Services
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. To learn more, click on the Read More tab.
When you need to order Personal or Business checks, turn to Deluxe Checks.
Click on the Read More tab to report your card lost or stolen or to inquire about a blocked debit card.
Switching your accounts to First State Bank has never been easier. From sending your current bank an Account Closing Letter, updating your Automatic Payment Transfer and Payroll Direct Deposit, we have you covered! Any of our friendly Customer Service Representatives can assist you in completing the forms or answering any questions.
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