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Personal Checking Accounts:
Regular Checking |  First Rate Account (Club) |  Interest Checking (Now & Money Market)

Personal Savings Accounts:
Regular Savings |  Certificate of Deposit |  IRA’s

 
Regular Checking Account


  • $100.00 minimum to open account
  • No monthly service charge or per debit fee as long as account maintains minimum daily balance of $500.00 during statement cycle, otherwise service charges applied as follows:
  • $300.00 - $499.99…..$ 6.00 per month plus $0.10 per debit
  • $100.00 - $299.99.….$7.00 per month plus $0.10 per debit
  • $99.99 & below……$10.00 per month plus $0.10 per debit
  • Seniors 62 or over- no monthly service charge
  • Monthly statements with check images
  • ATM/Debit card available


 
First Rate Account (Club)


  • 100.00 minimum to open account
  • Unlimited check writing
  • Personalized checks- 2 free boxes per year
  • Accidental Death & Dismemberment Insurance, plus other benefits & discount packages
  • Monthly service charges:
  • $10,000 AD&D……..$10.00 per month*
  • $20,000 AD&D……..$11.00 per month*
  • $30,000 AD&D……...$12.00 per month*
    • *Seniors 62 or over- monthly service charge
    • Monthly statements with check images
    • ATM/Debit card available
    • Insurance in this account is subject to policy eligibility, terms, and exclusions. It is not insured by any other federal government agency. There is no First State Bank of Odem guarantee and it is not a deposit.


 
Golden Owl Account (Money Market)


  • $2500.00 minimum to open account
  • Interest compounded on daily balance & credited to account monthly
  • No monthly service charge as long as account maintains minimum daily balance of $2500.00, otherwise a service charge of $15.00 per month is imposed if balance falls below $2500.00
  • Telephone transfers and checks can total no more than six (6) per month. Excessive transfers are $10.00 each
  • Minimum withdrawal is $500.00
  • Monthly statement with check images
  • Interest rates subject to change. Interest rate reduced to Now account interest rate if balance is $1500.00 or below


 
Now Account


  • $1500.00 minimum to open account
  • Interest compounded on daily balance & credited to account monthly
  • No monthly service charge and 20 checks free, as long as account maintains minimum daily balance of $1500.00, otherwise service charges applied as follows:
  • $1000.00 - $1499.99…..20 checks free… $6.00 per month plus $.20 per debit over 20.
  • $999.99 and below ……20 checks free… $7.00 per month plus $.20 per debit over 20.
  • Monthly statements with check images
  • No interest paid when balance falls below $1500.00
  • Interest rates subject to change


 
Savings Account


  • $100.00 minimum to open account
  • Interest accrued daily, compounded quarterly
  • No monthly service charge as long as account maintains minimum daily balance of $100.00, otherwise a service charge of $2.00 per statement cycle is imposed if balance falls below $100.00
  • Limit of six (6) withdrawals or transfers to another account or to third party by preauthorized, automatic, or telephone transfer, per calendar quarter.
  • $2.00 per withdrawal over the limit
  • Quarterly statements with original items
  • Interest rate subject to change


 
Certificate of Deposit


  • For our customers who want a fixed interest rate and predetermined maturity, we offer certificates of deposit at varying rates and terms from one month to five years. Rates and terms may be obtained from New Accounts personnel at (361) 368-2651.*


 
Individual Retirement Accounts


  • Fixed Rate Accounts are available. Details of accounts and current IRA information can be obtained from New Accounts personnel at (361) 368-2651.*
 
*Substantial Penalty for early withdrawal.
 

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