FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Personal Checking AccountsFree CheckingNo Monthly Service Fees. Just Free.
Elite CheckingGo green while earning some green. You could also get all of your ATM fees refunded and earn some interest, too.
Charter 50 Checking50 never looked so good! Age 50+? This one's for you!
Relationship CheckingBest for those with multiple FSB&T accounts and loans!
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Personal Savings AccountsRegular SavingsNeed to save for something? A Regular Savings account is an easy way to save and earn interest- with low monthly limits.
Charter 50 Savings50 never looked so good! Earn interest and receive benefits on other bank services with this savings account that is specially designed for adults age 50 and over.
Kids Club SavingsStart saving from day one! Great for savings for college or other expenses your child might need as they grow.
Savings Club AccountSave for a summer vacation, holiday shopping or any other special purpose.
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Money MarketFor liquid savings with check writing capabilities. Open a new Money Market account today and start maximizing your interest!
Performance Money MarketProvides a higher rate of return than a regular savings account. In fact, it is performance based – the higher the balance, the better the rate! The Performance Money Market Account is designed especially for those who plan to maintain a balance greater than $150,000.
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Individual Retirement Accounts (I.R.A.'s)Enjoy financial security by saving for your retirement! First State Bank & Trust offers several types of IRA's. Traditional IRAThe amount contributed to your IRA may be tax deductible, depending on your adjusted gross income. Check with your tax advisor to learn if this is a good option for you. Note: Some IRA investments may not be insured by the FDIC. Mutual funds, stocks and bonds are not deposits or obligations of any bank; are not guaranteed by any bank; and are not insured or guaranteed by the FDIC, Federal Reserve Board or any other government agency. Investment in mutual funds, stocks or bonds involves risk, including possible loss of principal. Additional information is available from our personal bankers. Please contact us. Roth IRAThe contributions made to a Roth IRA are not tax deductible, but the earnings grow tax-free. Contributions to a Roth IRA are post-tax, meaning you have already paid Federal and State taxes for that income. This is an excellent way to save for retirement with the ability to make tax-free withdrawals later on. Check with your Tax Advisor to learn if this is a good option for you. Note: Some IRA investments may not be insured by the FDIC. Mutual funds, stocks and bonds are not deposits or obligations of any bank; are not guaranteed by any bank; and are not insured or guaranteed by the FDIC, Federal Reserve Board or any other government agency. Investment in mutual funds, stocks or bonds involves risk, including possible loss of principal. Additional information is available from our personal bankers. Please contact us. SIMPLE IRA (Savings Incentive Match Plan for Employees)This is a retirement plan where employees (including the employer) can make pre-tax contributions to IRAs. Available for businesses with fewer than 100 employees.
S.E.P. IRA (Simplified Employee Pension Plan)This IRA is ideal for a small business or a self-employed individual to set up a retirement plan for himself or herself and all employees who meet qualifications. Annual contribution limits for the S.E.P. IRA may be higher than those for Traditional or Roth IRAs.
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