Limited time offer! Open a personal or business Prime Money Market with First State Bank and maintain access to your funds while you receive a premier interest rate of 3.04% Annual Percentage Yield! 

If your daily balance for a statement cycle falls below $50,000, you will not be paid any interest for that period. 

The interest rate on your account is 3.00% with an annual percentage yield of 3.04%. Your interest rate and annual percentage yield may change.

At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.

There are no maximum or minimum interest rate limits for this account.

Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

You must deposit $50,000.00 to open this account, and keep an minimum balance of $50,000 to receive the Annual Percentage Rate.

See Separate Schedule of Fees.

All credit transactions are processed first. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.
The Bank has chosen to pay certain exception items and overdraft related fees first. Then the bank pays A TM items followed by ACH transactions, internal transfers, debit card transactions, on-us checks, all other checks, and other fees. All electronic items (such as ATM, ACH and Debit card items) are paid in an ascending amount order (meaning they are paid from the smallest amount to the largest amount) and checks are paid in serial number order.

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

You may make no more than six transfers from this account to another account or to third parties by preauthorized, automatic transfer, or telephone transfer per month or statement cycle.

Please refer to the separate Schedule of Fees provided to you with this disclosure for information about fees and charges associated with this account. A Schedule of Fees will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

*Minimum deposit and balance of $50,000 required; Annual Percentage Yield (APY) limited time offer; Fees may reduce earnings on account, see Schedule of Fees for details; Offer begins at 07/18/2022 and can end at any time; see banker for details