Checking Accounts
Debit Cards
Savings Accounts
Certificates of Deposit
IRAs
Health Savings Accounts
Loans
ACH Transactions

Checking

Community First Checking

• No minimum balance requirement
• Free statements delivered via email, $2.00 fee for paper statements
• No monthly activity charge
• Unlimited check writing
• Truncated Monthly Statement
• (Check Images are not available on monthly statements)

Community First Priority Checking

• $5.00 maintenance fee if balance falls below $300.00 in the statement cycle
• Unlimited check writing
• Imaged monthly statement (Miniature photocopies of checks are printed on statement.)

Community First Now

• $6.00 maintenance fee if balance falls below the $1,000 balance requirement during statement cycle
• Imaged monthly statement

Please see our ‘Rates’ page to view account Tier levels

Money Market Account

• If your balance falls below $1,000 on any day during the statement cycle, your account will be subject to a $6.00 service charge.
• Limitations: You must deposit $1,000 to open this account. You may make an unlimited number of deposits into your account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimitied.
• Imaged monthly statement.

Please see our ‘Rates’ page to view account Tier levels

Community First Gold Checking

• Must be 50 years of age or older
• $1,500.00 minimum balance requirement
• $6.00 maintenance fee if balance falls below $1,500.00 in the statement cycle
• Imaged monthly statement
• Unlimited free checks

Order Your Checks Online

First State Bank now offers online ordering for checks through Harland. You’ll find personal checks that match your passion and business checks and forms for your small business. Harland offers check printing, check accessories, business cards and stationery, forms, and other products for small businesses. Harland checks are the most popular checks in the world. Click here to order:

• Re-Order Checks

Debit Cards

A Debit Card, also known as a bank card or check card is a plastic payment card that provides the cardholder electronic access to their bank accounts at a financial institution. Debit Cards relay a message to the cardholder’s bank to withdraw funds from a payer’s designated bank account. The card, where accepted, can be used instead of cash when making purchases. Unlike credit and charge cards, payments using a debit card are immediately transferred from the cardholder’s designated bank account, instead of them paying the money back at a later date. Our Debit Cards come with an issue fee of $10, but there are no monthly service charge fees. Inquire with us for more details.

Christmas Club

• Interest compounds and pays annually
• $5.00 minimum deposit to open
• Deposits cannot exceed $2,500.00/year
• Accounts will be closed if any withdrawals occur before maturity
• The balance will be paid by check on the Friday before Thanksgiving

Community First Priority Savings Accounts

• $100.00 minimum balance requirement
• $5.00 maintenance fee if balance falls below $100.00 requirement during any month.
• Sign up for e-statements and a $25 monthly transfer from any checking account and the monthly fee is waived.
• Limitations: You must deposit $100.00 to open this account. You may make an unlimited number of deposits into your account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by draft or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.
• Interest rate is calculated by the average daily balance method
• 18 years or younger no minimum balance or maintenance fee

Certificates Of Deposit

A certificate of deposit, or “CD,” generally requires a minimum initial deposit for a set minimum term. Interest rates for CDs are a fixed rate product. This is a good option for safety and income. Please contact your local branch for rate information.

IRAs

Select from these IRAs:

Traditional IRA

Contact your local branch for more information.

Roth IRA

Contact your local branch for more information.

HEALTH SAVINGS ACCOUNT

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high deductible health plan. The funds contributed to an account are not subject to federal income tax at the time of deposit. Funds roll over and accumulate year to year if not spent. HSA’s are owned by the individual, which differentiates them from Health Reimbursement Arrangements that are an alternate tax deductible source of funds paired with standard health plans. HSA funds may currently be used to pay for qualified medical expenses at any time without federal tax liability or penalty.

Loans

Ask your First State Bank representative about operating lines of credit, intermediate term loans, or long-term agricultural real estate loans. Your cash flow needs can be met with an operating line of credit for crop or livestock expenses, a term loan for machinery or vehicle purchases, or an agricultural real estate loan for the pasture or crop land purchase to grow your operation.

• Automobile Loans
• Personal Loans
• Currently originating loans in Nebraska
• Consumer Real Estate Loans

Sarah Nickerson
First State Bank – Cambridge

Wade Tysdal
Karen Widick
First State Bank – Farnam

Deb Carlson
Will Speth
First State Bank – Holbrook

Jared Baker
Deb Stephens
Dillon Kauk
Jordan Girard
Community Bank, Alma

Jared Baker
Jake Noonan
Community Bank, Stamford

Automobile Loans

Shop for your next car with the confidence and knowledge that First State Bank is ready to put you in the driver’s seat. We make auto ownership fast and easy with pre-approved loan applications or auto loan financing after you find the car of your dreams.

Personal Loans

If you’re looking to consolidate credit card payments, a consolidation loan from First State Bank can make your life easier. Maybe there’s a big vacation in your future–a personal loan from First State Bank can make it possible.

Agricultural Loans: To help your farm or ranch grow

Ask your First State Bank representative about operating lines of credit for short-term crop input expenses, livestock feed purchases, machinery loans or other daily operational needs. Your cash flow needs can be met with one line of credit to give you the flexibility and freedom you need. A pre-approved limit is set so you have no hassles later when you need the money most.

ACH Transactions

Automated Clearing House, or ACH, is a financial network that oversees electronic money transfers between banking institutions. This expansive network facilitates common transactions, such as payroll direct deposit, business to business payments and recurring bill payments. An originator starts the transaction by requesting a deposit or payment, and the banking institution sourcing the account transmits information in batches to the receiving institutions. NACHA regulations require the institutions to settle each transaction within one or two business days, depending on the payment method. Contact us if you would like additional information.