First State Bank offers our family of customers an optional overdraft protection through our Ready Reserve or Dynamic Transfer products. With Ready Reserve, if your account becomes overdrawn, First State Bank will cover that overdraft and simply charge a nominal amount of interest until the Ready Reserve account is paid in full. With Dynamic Transfer, we automatically transfer money from your First State Bank savings account to cover any overdrafts¹.

Both methods help you avoid the usual fees for bounced checks from the bank and high fees from merchants. A typical bounced check can cost you $50.00 or more. Overdraft protection will help you save money when you need it most. See a Personal Banking Specialist to get your overdraft protection setup.