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Open an Account Today

Opening a New Account

Thank you for banking with First State Bank! We are pleased to offer the opportunity to apply for a new account with us at your convenience. Please note, all new account applications are subject to approval upon receipt and review of the data submitted to the New Accounts Department. 
For a list of Personal Checking Account options, please review the accounts here. For a list of Business Checking Account options, please review the accounts here.

What You Need

The following items should be provided on the application (additional information may be requested once application is submitted):
  • Social Security Number (EIN for businesses)
  • Physical Address
  • Mailing Address
  • Driver’s License or State ID Number, Issuing State, Issue Date, and Expiration Date
  • Employer
  • Phone Numbers
  • Email

Important Information

To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for an account. In order to comply with this regulation, we will ask you certain questions regarding your identity.
Once the application has been submitted, a Relationship Banker will review your information to determine if additional information is required. An appointment will be scheduled to sign documents and receive your account disclosures upon approval.


We require you have residency in at least one state within the First State Bank of the  Southeast footprint. If you are not located in Kentucky or Tennessee, you may be located outside of our service area. For questions about our service area, please contact us at 800-248-5950
A minimum opening deposit is only $50, See us for details.
Other fees such as non-sufficient funds, overdraft fees, stop payment fees, etc. may apply. See account fee schedule for details at one of our branches.

Offer good on personal accounts only; ask us about our outstanding options for your business or organization.
Both the savings and money market accounts require a minimum balance in order to avoid fees and allow interest. Ask us for details.

Helpful Information