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What account is in your best interest?

We have a variety of deposit accounts designed to meet all your personal banking needs. Give us a call or come by First State Bank Graham and we'll be glad to explain all our products and services to you. Each depositor insured to at least $250,000.

Free Checking Account

 

Description

Enjoy unlimited check writing and no monthly maintenance fees. You will receive a detailed transaction statement monthly. Checks and other items will be retained by the bank for safekeeping in microfilm.

Personal Account

 

Description

Enjoy unlimited check writing and avoid a monthly maintenance fee by maintaining the minimum daily balance in your Personal Account. Monthly maintenance fees may vary depending on your daily balance.

Preferred Account

 

Description

With a Preferred Account you will receive free personalized checks, unlimited check writing privileges, personal coverage with $10,000 accidental death & dismemberment insurance and a $20,000 common carrier insurance, and a small safe deposit box for one year. All of these benefits are included as part of your monthly membership fee.

Preferred Plus Account

 

Description

The Preferred Plus Account is available to our customers age 55 and above. You will receive all of the benefits of our Preferred Account at a reduced monthly membership fee.

Senior Checking

 

Description

Enjoy unlimited check writing and no monthly maintenance fee in the Senior Checking Account, if you are age 62 or above. Visit with our new accounts representative to receive your social security benefits by direct deposit into your checking account.

No Fee Checking

 

Description

This 'No Fee' Checking Account is available to civic groups, non-profit organizations, and churches. Please contact your local new accounts representative to request additional information.

NOW Account

 

Description

This account opens with $1000.00. Maintain a minimum daily balance to avoid a minimum balance fee and enjoy unlimited check writing. This account earns interest that is compounded and credited monthly.

Super NOW Account

 

Description

This account opens with $1500.00. Maintain a minimum daily balance to avoid a minimum balance fee and enjoy unlimited check writing. This account earns interest that is compounded and credited monthly.

Personal Savings Account

 

Description

Open this account with a minimum of $100. Deposits are unlimited and interest accrues daily. Maintain a balance of $100 and there is no monthly maintenance fee.

First Fund Money Market Account

 

Description

A First Fund Money Market Account provides a higher interest rate and allows convenient access; you may write as many as three checks per month. This account opens with a minimum of $1000.

Certificate of Deposit (CD) Accounts

 

Description

Short and long term certificates are available. Interest options are available on all terms, such as monthly transfers to your FSB account or monthly compounding. For current rate information please call 940-549-8880.

Individual Retirement Accounts (IRAs)

 

Description

Current rates and details of an Individual Retirement Account may be obtained by contacting one of our New Accounts Representatives at any of our locations.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.