Personal Checking

Regular Checking Account

• Deposit of $100.00 or more required to open
• Monthly statements with check images
• ATM/Debit card available
• Overdraft Service ("Courtesy Pay") included
• No transaction limitations

Service Charges

• This is a tiered account. No monthly service charge will be assessed if your balance is $500.00 or more each day of the statement cycle. Monthly service charge will be assessed as outlined below if the balance falls below the stated threshold on any given day within the statement cycle:
  • $6.00 plus $0.10 per debit item if balance in the account falls below $500.00
  • $7.00 plus $0.10 per debit item if balance in the account falls below $300.00
  • $10.00 plus $0.10 per debit item if balance in the account falls below $100.00
• For primary account holders 62 years of age or older, service charges are waived.

First Rate Account

• Deposit of $100.00 or more required to open
• Monthly statements with check images
• ATM/Debit card available
• Overdraft Service ("Courtesy Pay") included
• No transaction limitations apply
• Personalized "First Rate" checks - 2 free boxes per year

Service Charges

• Monthly service charge varies based on the level of AD&D insurance purchased:
  • $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 years of age or older - ½ monthly service charge
*Insurance 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 Money Market Account

• Deposit of $2,500.00 or more required to open
• Monthly statements with check images
• Interest-bearing account
• Interest compounded monthly & credited monthly
• You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. 
• You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
• Interest rates subject to change

Service Charges

• No monthly service charge as long as account maintains minimum daily balance of $2,500.00, otherwise a service charge of $15.00 per month is imposed.
• An excessive transaction charge of $10.00 will be assessed and added to the monthly service charge for each debit transaction in excess of 6 per month.

NOW Account

• Deposit of $1,500.00 required to open
• Monthly statements with check images
• No transaction limitations
• Interest-bearing account
• Interest compounded monthly & credited monthly
• You must maintain a minimum daily balance of $1,500.00 in the account each day to obtain the current annual percentage yield.
• Interest rates subject to change

Service Charges

• This is a tiered account. Monthly Service charge varies by daily balance:
  • If the balance is at least $1,500.00 each day of the statement cycle, there is no monthly service charge (debit fees > 20 items may apply).
  • If balance is between $1,000.00 and $1,499.99 any day of the statement cycle, the monthly service charge is $6.00 plus $0.20 per debit > 20.
  • If balance is less than $1,000.00 any day of the statement cycle, the monthly service charge is $7.00 plus $0.20 per debit > 20.