First State Bank
First State Bank, established in 1884, offers a wide range of personal and business banking services, including checking and savings accounts, lending products, online banking, and financial education resources across Southern Ohio and Eastern Kentucky.
Personal Checking Accounts
First State Bank provides a variety of personal checking accounts to meet different banking needs. These accounts include Kasasa Cash Checking, which offers cash rewards, and Kasasa Cash Back Checking, which provides cashback on purchases. Additional options are First Freedom Checking, Golden Opportunity Checking, First Premier Checking, and specialized Student Checking, which rewards students with cash incentives for good grades.
Business Banking Services
First State Bank offers a comprehensive suite of business banking services. These include Business Term Loans, Commercial Real Estate Loans, Business Lines of Credit, and Agricultural Loans. Businesses can also choose from various checking account options such as Elite Business Checking, Platinum Business Checking, Small Business Checking, and specialized accounts like Non-Profit Interest Checking and Public Entity Interest Checking. Additional services include Cash Management, Remote Deposit Capture, Merchant Card Services, and Positive Pay.
Lending Products
First State Bank offers a range of lending products to meet various financial needs. These include Home Mortgage Loans, Home Equity Line of Credit (HELOC), Construction Loans, Auto Loans, and Personal Loans. For those seeking overdraft protection, the bank also offers First Reserve Overdraft Protection. These products are designed to provide customers with flexible financing options.
Online and Mobile Banking
First State Bank provides robust online and mobile banking services, ensuring customers have access to their accounts anytime, anywhere. Services include online banking, mobile deposit, and mobile wallet options. Customers can also opt for e-Statements to reduce paper clutter and enhance security. Financial calculators are available for auto loans, credit card payoff, mortgage loans, and retirement planning.
Financial Education and Community Involvement
First State Bank is committed to financial education and community involvement. It offers resources like the Checking Navigator to help customers manage their accounts better. Additionally, the bank engages in charitable giving, sponsorships, and volunteerism within the communities it serves. These efforts underscore the bank's dedication to fostering financial literacy and community growth.