Yes, please contact a customer service representative for assistance.
Yes, we offer safe deposit boxes at our Irvington and Hardinsburg branches.
First State Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a depositor at our bank, you are insured based on account and ownership type. The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Additional information about coverage can be found at FDIC GOV RESOURCES
Transactions accepted by close of business on any business day will be processed the same business day. Transactions conducted on non-business days (Saturdays, Sundays or Federal Holidays) will be processed the next business day. Domestic and International outgoing wire requests received after 3:00 PM (ET) will be processed the next business day.
Rough River (CST):
Yes, First State Bank does provide notary services. It is recommended that you call ahead for availability.
While we specialize in traditional mortgage products, First State Bank also offers more unique products, such as bridge and construction loans, to better fit the diverse needs of our customers.
The following are just a few of the loan products offered by First State Bank:
Please contact First State Bank and speak with a member of our knowledgeable lending staff to find out how we can provide you with the loan product that best fits your needs.
You should sign your check with the following endorsement:
For FSB Mobile Deposit Only
Last 4 digits of account number
You can deposit up to 5 items totaling no more than $2,500 per day.
Deposited items may be rejected for improper endorsements or other reasons. If your mobile deposit has been rejected, contact the bank for further information.
To set up your account(s) to receive paperless statements, just follow the easy steps below:
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes 1. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank in the U.S. Ask your recipient to enroll with Zelle® before you send them money – this will help them get your payment more quickly.
More Information about Zelle® services
Outgoing Zelle transactions are limited as follows:
The bank reserves the right to monitor, reduce limits and restrict access as needed. Contact the bank if you have questions or issues with your limits.
Online Reset Instructions:
If you still need additional help, please contact your local branch.
Deposits made and approved by 4:00 PM (ET) will be available the next business day. Deposits made after 4:00 PM (ET) will be available the second business day.
Checking, savings or money market accounts are eligible for the mobile deposits. Account must be active and open for at least 6 months. Contact the bank for more information.
If your debit card is lost or stolen during regular business hours, please contact us at 270.547.2271.
If your card is lost or stolen after hours, please call 800.528.2273.
If your debit or credit card is lost or stolen during regular business hours, please contact your local branch.
After hours, please call:
800.528.2273 for debit cards
800.325.3678 for credit cards
ATM transactions using your First State Bank debit card are free at any of our branch locations, as well as at our affiliate bank branch locations (First State Bank, Meade County Bank, Bank of Clarkson, West Point Bank, American Bank & Trust and Bank of Lexington).
ATM transactions at non-affiliate bank ATMs will be assessed a $0.75 service charge per transaction, plus any additional fees that institution may assess.
International ATM transactions will be assessed a fee of 1.00% per transaction, plus any additional fees that institution may assess.
Deposits made at an ATM that is owned and operated by us before 3:00PM ET on a Business Day that we are open, will be considered made that day. Deposits made after 3:00PM ET on a non-business day (Saturdays, Sundays or Federal holidays) will be considered made on the next Business Day. We make $200 available immediately, or the amount of the deposit, whichever is less, per transaction.
Recurring payments take place when you authorize a merchant to charge you repeatedly for goods or services, generally on a pre-arranged schedule. Recurring payments are often used for gym memberships, utility bills, video streaming services and subscription box services. When you initially enter your card information with one of these providers, you will provide your full debit card information, agree to terms and conditions, and the payment structure. Once that business has your card information on file, and you have authorized them per their terms and conditions, future payments to that company are likely to process and appear on your bank statement as a “recurring” transaction.
Please note that sometimes even if a transaction says “recurring” in the description, this may not mean it will come out weekly, monthly, etc. This “recurring” designation is used by businesses when they process transactions so that they can save and submit future transactions for that card, without you having to re-enter your CVV code (the three-digit code on the back of your card) each time. For example, if you have downloaded and authorized an app for in-app purchases, these transactions may process and appear as “recurring” on your statement because your card is on file. You can review the merchant’s terms and conditions for further information.