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First Rate Checking and Savings Accounts

Home PERSONAL BANKING First Rate Checking and Savings Accounts

Looking for checking and savings that deliver more value?

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. 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 your account today. Questions? Give us a call at 402.421.3535 and a First State representative will walk you through the process.

First Rate Checking: 2.00% APY1

Let your money work for you. This FREE checking account offers a higher interest rate and a free nationwide ATM network.To receive the higher interest rate, you must:

  • 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.
Minimum Opening Balance$100
Monthly Service ChargeNo service charges apply to this checking account.
Interest BearingYes1
Online Banking2Free Online Banking
Check WritingUnlimited
Optional Overdraft3Yes
CyberScout4Yes
Bill PayFree online bill pay
Mobile BankingYes
Text/E-Mail AlertsYes
Visa® Debit CardFree card with account.

 

Apply Now


First Rate Savings: 1.00% APY5

Grow your savings faster with a First Rate Savings Account. This account offers a higher interest rate than traditional savings accounts as long as the account is opened online and receives eStatements.

Minimum Opening Balance                  $100
Monthly Service Charge6

No Monthly Maintenance Fee,
No Minimum Balance Fee.

$1.00 service charge for each additional withdrawal after 6 per statement cycle.

Interest BearingYes5
Online Banking         Yes
Visa® Debit/ATM CardFree ATM card with account

 

Apply Now


Certain requirements must be met and some restrictions apply.

1Annual Percentage Yield (APY) of 2.00% paid on all balances from $.01-25,000 and .10% 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 .01% APY. Rates effective July 7, 2022. 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.

2Online Banking is required to receive your monthly checking account statement electronically. To receive electronic delivery service you must have a working connection to the Internet with e-mail capability and Adobe Reader®.

3There is a $35.00 fee for each debit or check paid. An overdraft fee applies to overdrafts created by check, in-person, withdrawal, ATM withdrawal, or other electronic means. For consumer accounts, we will not authorize and pay overdrafts or charge fees for overdrafts caused by ATM withdrawals or onetime debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. You will receive notification at 15 and 35 days if the overdraft hasn’t been repaid. If this still hasn’t been resolved at 60 days, your account will be closed.

Identity theft solutions available to each customer.

Annual Percentage Yield (APY) of 1.00% 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 0.01% APY.  Rates effective July 7, 2022. 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.

6$4.00 dormant account fee per month after 13 months of no activity.