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Financial Counseling & Resources

First State Bank has partnered with one of the nation's most respected not-for-profit money management organizations: GreenPath Debt Solutions.  Three powerful tools are available to you - at no charge and without any obligation:  GreenPath Financial Counseling, BudgetSmart and CheckRight. 

GreenPath Debt Solution

View online educational courses developed by GreenPath Financial Counselors.

Do you have a money management, credit or debt question?  A GreenPath Financial Counselor is available to assist you Monday through Thursday 8 a.m. to 10 p.m., Friday 8 a.m. to 7 p.m., and Saturday 9 a.m. to 6 p.m. ET by calling 877-337-3399.  Counseling can take place over the phone, or you may make an appointment for personal counseling sessions.  When calling for advice or to make an appointment, be sure to indicate that you are a First State Bank customer.

BudgetSmart

Want to control your money instead of having your money control you?  This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively.  You can use the program to:

  • Establish a budget
  • Track spending
  • View tips for improving areas of overspending or inadequate saving
  • Experiment with "what if" scenarios to determine how a major purchase or change in income would impact your budget
  • First State Bank login permissions are pre-loaded so you can simply click to download budgeting software

Budget Smart Free Software To get started on your monthly budget, begin by downloading the BudgetSmart free software.

CheckRight

Become more knowledgeable about managing your checking account.

Check Right

It is especially geared toward individuals just starting out with a checking account or those who have had difficulty managing a checking account in the past, CheckRight is a web-based checking account management education module designed to teach you how to manage a checking account.

Personal financial and credit counseling is offered free to First State Bank customers. Counselors are employees of GreenPath Debt Solutions and not First State Bank.  GreenPath is a not-for-profit counseling agency, affiliated with the National Foundation for Credit Counseling (NFCC) and Accredited by the Council on Accreditation for Family and Childrens' Services.  GreenPath has also been a HUD approved housing counseling agency since 1968. Although recurring financial and credit counseling is free, an individual's adoption of a GreenPath creditor negotiated debt management plan may include State-approved fees based upon the amount of debt managed and the client's ability to pay. GreenPath Debt Solutions is solely responsible for the appropriateness of the personal counseling offered by its employees and the accurate of its software solutions. For information regarding NFCC member agencies, visit www.NFCC.org. For information regarding HUD-approved counseling agencies, visit HUD.gov.