First State Bank is a community bank providing a valued service to farmers, ranchers and business owners in Athens across the Henderson county and the surrounding communities. Its mission is to build mutually beneficial customer relationships by being the local bank and employer of choice.
Description of the First State Bank
Founded in 1935 as Farmers and Merchants State Bank. First State Bank is a community Bank that provides a significant service to the farmers, ranchers, and business owners in Athens and across Henderson County and the surrounding communities.
Their vision on maintaining the friendliness and personal attention of a community bank is one reason they have been serving some of the same customers and their families for nearly 80 years.
At the same time, they are excited to welcome new customers daily. Everything they do is concentrated on providing a positive banking experience for the individuals, families, and businesses that trust us with their financial services.
Since the early days in the 1930s, their bank has expanded tremendously, from one location in Athens to two. They’ve also opened branches in Corsicana, Mabank, Malakoff, and Gun Barrel City.
Today their six locations account for more than $487 million in assets and their employees are key members of all the communities we serve. Despite this phenomenal growth, their commitment to customer service remains the same.
The mission of First State Bank is to build mutually beneficial customer relationships by being the bank and employer of choice in the communities they serve. First State Bank believes what sets them apart is their focus on customer service.
Every employee of their bank cares enough to get to know their customers personally. When you walk in the door of any of their six branches, their friendly staff is always on hand to welcome you warmly.
That is one of the ways they do business, it is firmly believed that it is a cornerstone of their success.
Business Checking with the First State Bank Athens 2022 Extensive Details
Bank services that meet your business goals.
Athens First Bank looks at their relationships with businesses as being reciprocal. If your business is successful, they are too.
Business owners are the reason their community stays grounded, which is why we have designed checking accounts to make things easier for your operations.
From regular business checking accounts that help you run smoothly, to money market accounts that allow you to earn a higher rate of return on your money without putting it at risk.
Check tampering remains a threat to businesses despite the popularity of electronic payments. The counterfeiting of checks is on the rise due to sophistication in color copying and publishing. Positive Pay allows you to protect your business from fraud threats by check.
How Does it Work?
• Business Customer submits check issued reports through business online banking. (List of check numbers, dollar amount, and account number of each check)
• Positive Pay verifies criteria when a cheque is presented for payment.
• If criteria are met, a check is paid. An exception is created positive Pay finds mismatched data.
• An exception report is sent to the customer for a pay/no pay decision.
For more information on the product and associated costs, please contact ecommerce@fsbathens.com or call (903) 676-1900.
Business Savings with the First State Bank Athens 2022 Extensive Details
Keeping Cash Close at Hand
A Statement Savings account with First State Bank offers a safe way to set aside money for unexpected emergencies. Knowing that your money is safe and earning interest for you provide peace of mind when you need it the most.
| Statement Savings (Qualified Businesses | |
| Minimum to open | $100 |
| Minimum Balance | $100 |
| Monthly service fee | see below |
| Interest | Set periodically |
| FSB Debit Card | |
| ATM Access (FSB & Austin Bank at no cost) | |
| Online Banking (Free) | |
| Bill Pay Service (Free) | N/A |
| Statements | Free Paper Statement |
• If balance falls below $100 at any time within the quarter, $5 service charge.
• Preauthorized third-party transfers including ACH debits, transfers to cover overdrafts, and transfers by phone, telebanking, or Internet banking limited to six within a quarterly statement cycle.
• Three withdrawals per quarter allowed at no charge; withdrawals over three are charged $2.00 per withdrawal.
• Must have a checking account as primary. $7.50 will be assessed on primary checking.
Branches and ATM Locations
- Athens – Downtowns
- Athens – Tylers
- Corscicana
- Mabank
- Malakoff
If you need to send confidential information to us, such as your account number or transaction information, please use our secure email service.
(903) 676-1900
(903) 677-3388 or (855) 677-3388 Telebank
Secure email service
Branch & ATM location
First State Bank Athens: Investment Services
This bank also offers investment services that can meet your needs. I will also tell you about this.
Busy lifestyles and multiple priorities make successful financial strategies more challenging than ever. In today’s complex and ever-changing financial marketplace, it’s important to take a team approach toward pursuing financial independence.
When you join with your First State Financial Services Representative, you create a powerful team.
Kyle Roberts
Investment Executive
Tel: (903) 676-1936
What Do They Do in Investment Services?
With their knowledge and the convenience of a full-service investment firm at your command, achieving financial independence can be more than just a dream.
They’re ready to help you turn your financial goals into a reality. They feature a wide range of investment opportunities to address your needs. Services provided include:
• Retirement Strategizing
• Estate Strategizing
• Traditional and Roth IRA’s
• 401K Transitional Assistance
• Employee Retirement Accounts
• College Education Savings Plans
• Long Term Care Insurance
• Financial Strategizing
• Portfolio Reviews
- IRA Rollovers
• Fixed & Variable Annuities
• Life & Disability Insurance
• Mutual Funds
Securities and Advisory Services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
Further Details:
First State Bank and First State Financial Services are not registered brokers/dealers and are not affiliated with LPL Financial.
The investment products sold through LPL Financial are not insured by First State Bank deposits and are not FDIC insured.
These products are not obligations of the First State Bank and are not endorsed, recommended, or guaranteed by First State Bank or any government agency.
The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: TX, CO, NC.
To Apply and get further information Go to www.fsbathens.com
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