Poor Credit History?

What if I have poor credit history?
It is okay, 48 million Americans deemed to have poor credit, which is equivalent to a credit score of 300-579. You are not alone! At First State Bank, we are here to help! We've all been in hardships before. Sometimes you might feel ashamed, but we will not judge. 
Here are some ways that we can help you! 
Secured Credit Card
At First State Bank of the Southeast, our industry-leading (consumer and business) credit card products offered by Elan Financial Services offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. With the First State Bank Credit Card, the options are endless…

  • Pay Down Debt
  • Earn Rewards
  • Build Credit
  • Cash Back
  • And More!

The secured Visa card was designed to help build or repair credit history! It is a credit line that you set*! You will pledge a minimum of $300 security deposit from a savings account. The perfect card to improve or re-establish your credit history*!
For more information, click here or contact your banker at 800-248-5950.
Fresh Start Account 
At First State Bank we offer our customers a new beginning. If you can not open a bank account due to past account charge-offs, this account is perfect for you! The Fresh State Account will get you on your way back to financial wellbeing. After one year of the account being in good standing, you are able to open any bank account with First State Bank!
 *Subject to Credit Approval
**Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.