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NO MINIMUM BALANCE REQUIRED
Regardless of the minimum balance each month, your regular checking account will not receive any additional service charge. You pay the same amount every month.
UNLIMITED CHECK WRITING
As a member of The First Rate Account, you may write as many checks as you want at no additional charge.
DISTINCTIVE PERSONALIZED CHECKS
Will be provided to you and designate you as a First Rate Account member. Limit 2 boxes per year.
SAFE DEPOSIT BOX DISCOUNT
Will be available to you which is good for a $10.00 discount to apply to the rental price of any size safe deposit box depending upon availability.
TRAVELER'S CHECKS
Traveling? Get your traveler's checks from us. There is no issue charge for traveler's checks to First Rate Account members. Some restrictions
CASHIER'S CHECKS
When you need a cashier's check, just ask us. We'll issue it for a discounted fee if you're a member of The First Rate Account. Some restrictions apply.
24 HOUR ACCESS
Convenience with your ATM card . . . 24 hours a day, 7 days a week, 365 days a year. As a member of The First Rate Account, there are no fees for withdrawals at a First State Bank of Odem ATM machine.
AUTOMATIC FUNDS TRANSFER
You save money by authorizing us to transfer funds each month from your checking to savings or arrange for loan payments to be automatically deducted from your First Rate Account.
WIRE TRANSFERS
Transfer funds from your account to any place in the United States at a 50% discount by the First State Bank of Odem. Some restrictions apply.
NOTARY SERVICE
Whenever you need the services of a notary, come to us.
THE FIRST RATE ACCOUNT 62 For Those Age 62 & Up
If you are 62 or over, you will receive all The First Rate Account services for one-half the monthly fee.
LIFESTYLE BENEFITS
$10,000 ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE AND $20,000 COMMON CARRIER
Provided immediately at no additional charge. Coverage is reduced 50% at age 70. If joint account, total coverage is divided evenly. You may elect additional coverage.
PRESCRIPTION DRUG DISCOUNTS
Through a nationally recognized prescription drug program, you will receive the best price available on your prescription at your local participating pharmacist.
HOTEL & MOTEL DISCOUNTS
First Rate Account membership entitles you to save up to 50% on each night of your stay at thousands of hotels and motels across America and abroad. Restaurant discounts are available within many of these facilities.
SHORT NOTICE TRAVEL
The Short Notice Vacation Savings hotline puts you in touch with some of the best vacation bargains available to spur-of-the-moment travelers 24 hours a day.
CREDIT CARD REGISTRATION SERVICE
You may register all your credit cards with our convenient protection. service. Should your credit cards become lost or stolen, call our toll-free number and our operators will make all the necessary arrangements to have your registered cards canceled and reissued immediately.
TRAVEL SERVICE
Simply call our toll-free 800 number and receive complete, computerized, instant reservations to any destination 24-hours a day, 7 days a week. Pre-reserved seats, special in-flight meals, hotel accommodations, and rental car reservations are included.
TRAVEL REBATES
You will receive a 5% rebate on all air and car rental arrangements, and a 5% rebate on all hotel reservations booked through our travel service.
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