First State Bank offers more complete access to your account. Wherever you are, whenever you need it.

Need a Holiday Gift Idea?

VISA GIFT CARDS make a great holiday gift. They can be loaded with any dollar amount. Plus, they can be conveniently wrapped or placed in a holiday card or stocking. Come see us today to get the perfect Holiday gift.

Lost or Stolen Debit Card?

Email us with general questions or comments.

Emailing private information?

Use our Secure Email Center.

IRAs

Our account professionals can assist you in determining which type of retirement savings option is best suited to meet your needs. We offer competitive rates and flexible terms for all of our retirement savings plans. IRAs require a minimum balance of $50.00 to receive interest and avoid a service charge.

For 2007 the limitation on deductible contributions is $4,000. Account holders age 50 and over are limited to $5,000. In 2008, the limitations increases to $5,000 and $6,000 respectively. Please feel free to stop by and visit or contact one of our account professionals for more information.

Please consult a tax professional for questions regarding deductions, tax-free earnings, and other tax issues involved with IRAs.

Traditional IRAs

Traditional IRAs are a type of savings account that allows you to prepare for your retirement. They are also tax deductible, depending on your income. You may also transfer an existing IRA, or convert another qualified retirement plan to a Traditional IRA with us.

Roth IRAs

Roth IRAs are a good tool to help you plan for retirement. Contributions are not tax-deductible, but earnings grow tax-free. You pay no taxes when you withdraw the money provided it's been in the account at least 5 years and you're older than 59 1/2. With a Roth, you don't have to begin withdrawing money at age 70 1/2, as is the case with traditional IRAs. Your earnings will continue to grow tax free, for as long as you like.

Health Savings Accounts

The Health Savings Account is designed to provide you with an easy, flexible way to manage you and your family's healthcare expenses. Contributions are tax deductible. Earnings, if used for qualified medical expenses, are tax free. Please consult a tax advisor about the annual contribution limitations. HSAs require a minimum balance of $25.00 to receive interest. There is a monthly maintenance charge of $2.00.

First State Bank

NOTICE: First State Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here.