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First State Bank
Direct Checking
Established in 1917, First State Bank is a locally owned and operated with offices
in Macomb County. First State Bank has 11 offices and has been an integral part to the growth of southeast
Michigan.
First State Bank has a Direct Checking offer for its
members. Direct Checking offers a competitive interest rate with no
minimum balance or service charges as long as you have a monthly direct deposit or automatic payment. First State
Bank Direct Checking is chock full of goodies. Direct checking is an interest checking account with no balance
requirement and overdraft privileges apply.
First
State Bank Direct Checking Features:
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Competitive
Interest
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No minimum
balance requirement
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No monthly
maintenance with direct deposit or automatic payment
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Fee-free access
to 35,000 ATMs nationwide via Allpoint Network
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Free 24/7
telephone and online banking with bill pay
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Free MasterCard
ATM/check card
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Free return of
check images
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Free account
alerts
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Free download of
information into personal financial management software such as Quicken or Microsoft Money
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Cash (up to $25)
for unused checks and check cards
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Overdraft
privilege
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$100 minimum to
open
Account
Disclosures:
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Use of non-First
State Bank ATMs not included in the Allpoint Surcharge-Free Network may result in ATM fees charged by
Fist State Bank and the ATM owner. Fees may be charged for overdrafts and other services.
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A credit of $2
per check paid for your unused checks and $2 for your old ATM or check card from another financial
institution will be issued within two business days of receiving them.
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While alerts are
a free service, your phone may charge for text messages.
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The overdraft
privilege is not a contract or obligation of the bank to pay overdrafts created by withdrawals made by
check, in-person, ATM, or other electronic means when insufficient funds exist in an account, but
rather a customer service which allows customers to overdraw an account. The overdraft fee is $30 per
item paid and repayment is expected immediately. If an account is overdrawn 5 days, on the fifth day
and thereafter a $5 fee will be charged every business day the account is overdrawn. This service is
discretionary and may be withdrawn at any time.
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This account
earns interest at a variable rate. Annual Percentage Yield is accurate as of October 10, 2009. These
rates may change at any time without prior notice. Fees could reduce earnings on the account.
The above information is provided by OpenFreeCheckingAccount.com for informational purposes only.
OpenFreeCheckingAccount.com is not responsible for any changes to any benefits by the bank. Contact your local
branch for further information.
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