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Premium Account

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The Premium Account at First State Bank offers the liquidity of a checking account with the interest rate of a savings account. It’s the best of both worlds – saving and transacting – all in one account.


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Current Rates

Balance Rate APY~
Less than $2,499 .05% .05%
$2,500-$9,999 .10% .10%
$10,000-$24,999 .10% .10%
$25,000-$49,999 .15% .15%
$50,000-$99,999 .15% .15%
$100,000 and up .20% .20%

Minimum to open: $100
Minimum average monthly balance to avoid service charge: $1,000
Monthly service charge: $14

 *Use of non-First State Bank ATMs not included in the Allpoint Surcharge-Free Network may result in ATM fees charged by the ATM owner. Fees may be charged for overdrafts and other services.
**A credit of $2 per check pad for your unused checks and $2 for your old ATM or debit card from another financial institution will be issued within two business days of receiving them. 
+While alerts are a free service, your phone provider may charge for text messages.
++The overdraft privilege is not a contract or obligation of the bank to pay overdrafts created by withdrawals made by check, in-person, ATM, or other electronic means when insufficient funds exist in an account, but rather a customer service which allows customers to overdraw an account. The overdraft fee is up to $34 per item paid and repayment is expected immediately. The cost will be based upon the dollar amount of the item that will cause the account to be overdrawn.  If an account is overdrawn 5 days, a $7 continuous overdraft fee will be charged after the 5th business day and $7 each business day thereafter if the account remains overdrawn. This service is discretionary and may be withdrawn at any time.
~ This account earns interest at a variable rate. Annual Percentage Yield is accurate as of August 28, 2016. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

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