At First State Bank Southwest there's a checking account just for you. Since no two customers or businesses are alike, we offer a variety of checking accounts to choose from. Each of our checking accounts comes with a monthly imaged statement that fully details your checking account.

Transaction Account Guarantee Program

First State Bank Southwest is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest-bearing transaction accounts and interest bearing transaction accounts paying less than .50% interest are fully guaranteed by the FDIC for the entire amount in the account. Interest bearing transaction accounts paying more than .50% interest are not guaranteed by the FDIC above normal FDIC insurance limits. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

PERSONAL CHECKING

Hometown Banking Checking

• No Charge for first order Personalized Checks
• Unlimited check writing
• Credit card protection
• Nationwide Discount Book
• Sojourns Travel magazine
• Key Ring protection
• Earn Interest (ask us for details)
• ATM Card
• Checkcard (available to qualified applicants)
• $100 daily minimum balance to avoid a maintenance fee

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Hometown Advantage Plus

• No minimum balance
• Unlimited Check writing
• Interest Bearing
• Personalized checks
• Nationwide Discount Book
• Sojourns Travelers magazine
• Credit Card Protection
• Money orders (no charge)
• Notary service
• Discount on Mortgage closing costs
• Safe deposit box
• Rx Advantage Prescription Drug Program
• Photocopy Service
• ATM Card
• Checkcard (available to qualified applicant's)
• All for only a small Membership fee

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Golden Opportunity Plus

• 55 years old & Golden Opportunity Senior Club Member
• No minimum balance
• Unlimited Check writing
• Interest Bearing
• Personalized checks
• Nationwide Discount Book
• Sojourns Travelers magazine
• Credit Card Protection
• Money orders (no charge)
• Notary service
• Safe deposit box
• Rx Advantage Prescription Drug Program
• Photocopy Service
• ATM Card
• Checkcard (available to qualified applicant's)
• All for only a small Membership fee

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Regular Checking

• Unlimited Check writing
• ATM Card
• Checkcard (available to qualified applicant's)
• $3.50 maintenance fee and 15 cents per debit if minimum balance is not maintained
• $200 minimum balance

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NOW Checking

• Variable rate
• Interest paid monthly
• Unlimited check writing
• ATM Card
• Checkcard (available to qualified applicant's)
• Minimum balance of $500
• $7.50 maintenance fee and 25 cents per debit if minimum balance is not maintained

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Super NOW Checking

• Variable rate
• Interest paid monthly
• Unlimited check writing
• ATM Card
• Checkcard (available to qualified applicant's)
• Minimum balance of $1,000
• $7.50 maintenance fee and 25 cents per debit if minimum balance is not maintained

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Direct Deposit Checking

• No minimum balance required
• No maintenance fee on non-interest bearing checking with any monthly direct deposit
• Unlimited check writing
• ATM Card
• Checkcard (available to qualified applicant's)

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Student Checking

• Available until the age of 22
• No minimum balance required
• Limited check writing (ask us for details)
• ATM Card

For more information about our Personal Checking Accounts, e-mail dvis@firststatebanksw.com or contact us at the location nearest you.

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Bounce Protection^SM

Having a check returned due to insufficient funds can be a costly and humiliating experience. That’s why we provide "Bounce Protection^SM", a special overdraft privilege for First State Bank Southwest’s checking customers.

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Ready Reserve

At First State Bank Southwest we offer two types of Ready Reserve. Use one of these convenient services to make your life much easier and save you the inconvenience, cost, and embarrassment of an overdraft on your checking account.

• Automatic Transfer from Savings to Checking
  First State Bank Southwest will automatically transfer in increments of $100. from your savings account to checking to cover any overdrafts.
  
• Regular Ready Reserve
  First State Bank Southwest offers a Line of Credit to qualified applicants. It works in conjunction with your checking account. It protects you from overdrafts and allows you to write yourself a small loan anytime up to your approved limit.

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BUSINESS CHECKING

Commercial Checking - Business checking accounts offer a lot for small to large companies.

• No minimum balance
• Low monthly service charge
• Competitive earnings credit to off-set service charges
• Month end statements

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Regular Business Checking - This account is designed for small home office or sideline businesses.

• $200.00 minimum balance
• $3.50 maintenance fee and 15 cents per debit if minimum balance is not maintained.

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Organizational Checking - As a service to our community we offer this special account to non-profit organizations.

• No Service charge
• Non-interest bearing account

For more information about our Business Checking Accounts e-mail dvis@firststatebanksw.com or contact us at the location nearest you.

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Sweep Accounts

Put your money to work for you with a First State Bank Southwest sweep account. We monitor your business checking account on a daily basis, "sweeping" idle balances into an interest-bearing account, which earns you more money. A substantial minimum balance is required.

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Merchant Card Services

If you accept credit cards as payment for your services, you can save time and increase cash flow by utilizing First State Bank Southwest Merchant Card Services. We will be happy to provide a customized price quote to meet your specific needs.

If you would like more information regarding our Merchant Card Services, e-mail dvis@firststatebanksw.com or contact us at the location nearest you.

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