Newcomers are important to us. If you are moving to the Bloomington-Normal area, we welcome you. You owe it to yourself to check with us first for all of your financial needs.

Our Personal Banking Services feature:

• Local mortgage servicing -- application, approval, closing, and all payments are handled here by our loan department
• Full-service bookkeeping department to answer your account questions
  
• Push Button Banking telephone inquiry system to inquire about your accounts 24-hours a day, (800) 952-2719
• Online Banking system with optional bill payment services.
  
• Lobby hours 8:30 a.m. - 5 p.m. Monday - Friday
  and 8:30 a.m. to Noon on Saturday
• Longest drive-thru hours in the area, 7:30 a.m. - 10 p.m. Monday-Saturday
• Visa Debit/ATM Check Cards
• Express Checks -- printed right on our premises at low cost
• Friendly staff to assist you with your banking

SIMPLY FREE CHECKING

• Unlimited check writing
• $25 minimum deposit to open your account
• No monthly service fee
• No minimum balance to maintain
• Image statement provided monthly
• Allowable Overdraft Privilege (conditions apply - ask for details)

• Unlimited check writing
• Image statement provided monthly
• $100 minimum deposit to open your account
• No monthly service fee for maintaining a monthly balance of $500 or more
• $7 service fee if balance falls below $500
• No monthly service fee for customers age 55-plus
• No monthly service fee for automatic Direct Deposit of payroll, retirement or Social Security checks
• No monthly service fee for students age 18-22
• Allowable Overdraft Privilege (conditions apply)
  

FIRST CHOICE CHECKING

• Membership account - $7.50 membership fee per month
• Image statement provided monthly
• $100 minimum deposit to open your account
• No fee Money Orders, Cashier's Checks, Traveler's Checks, and license sticker renewals
• Free or reduced cost checks
• No issue fee on debit card
• One year free rental of 3" x 5" safe deposit box
• Eligible for no minimum balance, premium interest rate savings account
• Membership fee waived for persons age 55 and over
• Allowable Overdraft Privilege (conditions apply)

NOW INTEREST CHECKING

• Unlimited check writing
• Image statement provided monthly
• Interest rate is subject to change daily
• $500 minimum deposit to open your account
• $10 fee per month if minimum daily balance falls below $500 during the month.
• Allowable Overdraft Privilege (conditions apply)
  

• Unlimited check writing
• Interest rate is subject to change daily
• $1,000 minimum deposit required to open your account
• Image statement provided monthly
• $12 fee per month if minimum daily balance falls below $1,000 during the month.
• Allowable Overdraft Privilege (conditions apply)

MONEY MARKET CHECKING

• $2,500 minimum deposit required to open your account
• Interest rate subject to change daily
• $15 service fee if the minimum daily balance falls below $2,500 during the month
• Six withdrawals allowed per month, of which three may be made by check, draft, or similar order by depositor and paid to third parties
• $10 service fee for each withdrawal in excess of six per month
• Multiple tier interest rate structure

BANK CARDS

VISA/MasterCard

• Choice of either VISA or MasterCard
• Classic Checks give you the option of accessing your line of credit simply by writing a check with your own personalized Classic Checks which work just like a personal check
• ATM access and cash availability lets you get cash from more than 36,000 banking offices, select Automated Teller Machines (ATM's) and from more than 23,000 Electronic Money terminals located in key airports and major areas around the world

Debit/ATM Card - VISA Check Card

• Can be used instead of a check anywhere VISA is accepted
• Quick and convenient
• Can be used as an ATM card

To report a lost or stolen Visa Check Card during non-banking hours, please call 1-800-264-4274.

ALLOWABLE OVERDRAFT PRIVILEGE SERVICE

At some point, most of us make a mistake in our checkbook of have an emergency expense a little larger than we can cover at that moment. If you would like the assurance that a non-sufficient funds check/debit will be paid and not returned, we can help you! First State Bank is pleased to offer Overdraft Privilege! In most cases, we will pay your overdraft up to $700 ($400 for Simply Free Checking accounts), but not all accounts are eligible and some restrictions do apply. For more information, please call and ask for a customer service representative or the Bookkeeping Department.

OVERDRAFT PROTECTION SERVICES

If you are the type of person who prefers to avert an overdraft whenever possible, you will be interested in one of our Overdraft Protection services. Ask us about establishing automatic transfers from another First State Bank checking, savings, or money market account to cover any potential overdrafts in your checking account. Another option is an automatic advance from a credit card. Just ask one of our Bookkeepers for details.

FIRST CHOICE SAVINGS

• Only available to First Choice Checking members
• $100 minimum deposit required to open your account
• No minimum balance
• Premium interest rate
• Interest rate is subject to change daily
• Interest is compounded and credited quarterly
• Combined monthly checking and savings statements
• Nine debit transactions allowed during a calendar quarter
• $1 fee per withdrawal in excess of nine per quarter

ILLINOIS UNIFORM TRANSFERS TO MINORS ACT (ILUTMA) SAVINGS

• A great $1 minimum required to open your account
• Interest rate is subject to change daily
• Interest is compounded and credited quarterly
• No quarterly service charge on the account until the minor turns 21 years of age.
• Account must be turned over to the minor between ages 18 and 21
• Nine debit transactions allowed during a calendar quarter
• $1 fee per withdrawal in excess of nine per quarter

CHRISTMAS CLUB

• A great way to set money aside for any special purpose each year!
• Interest rate is subject to change daily.
• Interest is paid annually, at the time your special Club check is mailed to you
• No withdrawals permitted except for annual disbursements by check in October.

CERTIFICATES OF DEPOSIT

Certificates of Deposit (CDs) are available in terms ranging from 1 to 60 months. Interest rates and annual percentage yields (APYs) vary according to the term. The minimum deposit requirement for our standard CDs is $500. Early withdrawal penalties apply.

We offer a variety of IRA CD's in terms ranging from 12 months to 48 months. Interest rates and annual percentage yields (APY's) vary with the term of the CD. We also offer a Health Savings Account (HSA) with a variable interest rate that may change daily.

• Free First Choice checking account for customers age 55-plus!
• Unlimited check writing, free Express Checks (styles limited), no service charge, no minimum balance to maintain, and a variety of other bank services at no cost
  
• Image statement provided monthly