Important Change to U.S. Savings Bonds Paper Savings Bonds will no longer be sold at financial institutions after Dec 31, 2011. Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to cash bonds at First State Bank. New bond purchases have to be done online at www.treasurydirect.gov FDIC Insurance Coverage Notice All funds in a "non-interest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. Change in the Funds Availability Policy effective Jan 1, 2010 Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then the funds will generally be available by the second business day after the day of the deposit. This has changed from being available on the fifth business day after the deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. When they say free, it often comes with a fee Does the on-line ad sound too good to be true? Well, then assume it is! We all like to get something for nothing, which is why so many ads these days use the “free trial offer” pitch. These offers often have buried in their fine print your authorization to bill your credit or debit card for monthly charges after the trial period is over. You authorize the charges by agreeing to their terms and conditions. If you have to give your credit or debit card for a free offer you are probably going to be charged for something, often they say it is for shipping but once they have your credit/debit information and you agreed to their terms you have legally given them permission to charge for what ever you agreed to in their terms and conditions. Be sure you read the Fine Print before agreeing to any free offer. You are responsible for all charges authorized by your signature!!!! Temporary Liquidity Guarantee Program FDIC deposit insurance is temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013 After December 31, 2009, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under Transaction Account Guarantee program but will be insured up to $250,000 per depositor under FDIC's general deposit insurance rules. Smart Finances A website designed to educate consumers on what to look for ( or lookout for) when shopping for mortgage or a credit card, how to protect themselves from financial fraud, and other financial tips. www.mysmartfinances.com New Internet Banking Web Site Users After properly logging in for the first time with your temporary credentials you will be prompted to change your initial password. The second time you log in you will be prompted to change your user-name. This is for security reasons no one should know your security credentials not even your Bank, please protect them as they are one of the keys to your On line bank accounts. We have multiple layers of security to protect your account as you will see during the initial security setup. For additional information on these layers see the help screens accessed from the initial sign on screens. Star Savers Kids Klub First State Bank recognizes the importance of sound savings habits and what better way to instill these habits then making it fun. We have designed a new savings account just for Kids (12 and under) that rewards deposits into the account as well as special events throughout the year.  For More Information ...

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