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First Saver Savings Account
 
Supercharge your savings and earn twice. First State Bank's First Saver piles an additional .51% APY* on top of the interest paid on your associated First Rewards Checking account. It's like having a built in savings tool because the interest paid and ATM fee refunds are automatically transferred from your First Rewards Checking to your First Saver savings account. Plus, you can hang on to all of your earnings with no minimum balance and no monthly service fee. This is one high-powered account!

Qualifications / Features / Benefits
  • Linked to First Rewards Checking (required for this account)

  • $25.00 minimum deposit required to open account

  • .51% APY¹* on balances up to $20,000 ¹

  • 0.25% APY¹* on portion of balances above $20,000 ¹

  • 0.05% APY* on balance any month you do not qualify

  • No monthly service charge

  • Nationwide ATM fee refunds from First Rewards Checking (up to $25 each qualification period)² automatically deposited ³

  • Receive monthly interest payments

  • No minimum balance

  • Unlimited deposits

  • Monthly eStatements 4

First State Bank's First Saver accounts are limited to one (1) withdrawal per statement period ² with no charge. Beginning with the second withdrawal, a charge of $2.00 will be assessed on each withdrawal. Federal regulations prohibit more than 6 pre-authorized withdrawals per month. Charges will be assessed monthly.

Variable Rate Account. Rates may change after the account is opened. Fees could affect account earnings. Interest will be paid monthly.

*Annual Percentage Yield (APY) accurate as of July 15, 2013. Rate tiers are as follows: .51% applies to balances of $.01 - $20,000 and .25% paid on balances over $20,000 as long as qualifications are met each qualification cycle. .05% will be earned on all balances if qualifications are not met. All balances will earn .25% - .51% as long as qualifications are met.

¹ When you meet the minimum qualifications for the qualification period on your associated First Rewards Checking account.

² Qualification period begins one business day prior to the statement cycle and ends one business day prior to the close of the statement cycle. The statement cycle begins the first business day of the month and goes through the last business day of the month.

4 Effective March 29, 2013, if we provide your periodic disclosure (statement of account) by U.S. postal mail due to an invalid e-mail address*, you will be charged a paper statement fee of $5.00.

Qualifications on associated First Rewards Checking account are:
  • Minimum 12 First State Bank Check Card purchases per qualification period ².
    (Purchases must be posted, not pending -- excludes ATM transactions)

  • Minimum one direct deposit or automatic payment per qualification period ².

  • Receive eStatement 4

  • $100 minimum deposit required to open account

¹ When you meet the minimum qualifications for the qualification period.

² Qualification period begins one business day prior to the statement cycle and ends one business day prior to the close of the statement cycle. The statement cycle begins the first business day of the month and goes through the last business day of the month.

³ Effective March 29, 2013, if you have a First Rewards Checking or First Rewards Checking with First Saver account, and you have met your qualifications during the qualification cycle, we will reimburse you for domestic ATM fees up to $25 per qualification cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed up to a maximum of $5.00 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches.

4 Effective March 29, 2013, if we provide your periodic disclosure (statement of account) by U.S. postal mail due to an invalid e-mail address*, you will be charged a paper statement fee of $5.00

Click here to learn more about First Rewards Checking.

Regulation E Initial Disclosure

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