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First State for Life

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Looking for checking and savings that deliver more value?

This may be of interest to you.

Banking with First State Bank Nebraska already has its perks – from a wide range of products and services to the convenience of a community bank staffed by people who know you well. And now, here’s another:

Our First Rate Checking and Savings Accounts deliver higher interest rates than you’ll find most anywhere else. That means more interest on your dollar, more money saved, and more to spend.


Getting started is easy.

Fill out our online application and fund account your today. Questions? Give us a call at 877-303-9737, and a First State representative will walk you through the process.

First Rate Checking: 2.75% APY*

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First Rate Savings: 1.50% APY**

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Certain requirements must be bet and some restrictions apply.

*2.75% Annual Percentage Yield (APY) paid on all balances from $.01-25,000 and .35% APY paid on balances over $25,000.01 when you meet the monthly requirements.  Must meet all 5 requirements to receive full interest: Access internet banking, receive electronic statements, minimum of one online bill payment, minimum of 1 automatic debit or direct deposit, & minimum of 12 Visa Debit Card transactions per statement cycle of $5 of more.  Limit of one First Rate Checking account per customer.  Rate when requirements are not met is .05% APY. Rates effective October 18, 2018. Interest rate and APY may change at any time. Personal accounts only. Fees may reduce earnings. ATM fees are refunded up to $25 when requirements are met. ATM surcharges still apply. Additional requirements apply. Interest compounded monthly. **1.50% Annual Percentage Yield (APY) paid on all balances when you meet the monthly requirements.  Monthly requirements include opening account online, $100 minimum opening balance, and must receive eStatements.  Rate when requirements are not met is 0.05% APY.  Rates effective October 18, 2018. Interest rate and APY may change at any time. Personal accounts only. Fees may reduce earnings. Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings account to a maximum combined total of six (6) per statement cycle. Interest compounded quarterly.