First State Bank of Odem

Personal Services

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

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

$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

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- ½ monthly service charge
- Monthly statements with check images
- ATM/Debit card available

$2500.00 minimum to open account
Interest compounded on average 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 $15.00 each
Minimum withdrawal is $500.00
Checks 3 per month- $10.00 per withdrawal over 3 limit per month
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

$1500.00 minimum to open account
Interest compounded on average 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
$999.99 and below ……20 checks free… $7.00 per month
Monthly statements with check images
No interest paid when balance falls below $1500.00
Interest rates subject to change

$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

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.*

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.