Personal Checking Accounts

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Advantage Plus Checking

Enjoy all the benefits of our premium checking product plus earn interest on your daily balance.

  • First order of checks free
  • Unlimited online bill payments
  • 10% off safe deposit box rent
  • $500 average balance is required

Interest Rate – .05%
Annual Percentage Yield – .05%

  • Mailed paper statement if requested. Check images and image statements available online.
  • $10 below minimum fee plus 25¢ per debit fee if average balance falls below $500.
  • Interest calculated on the collected balance and compounded and credited monthly.
  • ATM/ Debit cards available to qualified customers. ATM fees may be charged if out of network ATM is used. Use Moneypass ATMs to avoid fees.
  • A Dormant Account fee of $2.00 per month is charged if the account is not used for 6 months. No fee assessed if balance is over $50.00.
  • Once registered for Bill Payment and it is not used for 3 months a $4.95 monthly fee will be assessed. You may cancel at anytime to avoid a fee.
  • An Account Closing Fee of $25 is charged if the account is closed within the first six months.
  • $5.00 Image Statement Fee applies if a mailed image statement is requested.
  • Annual Percentage Yields (APY) and Interest Rates are subject to change at any time.
  • Fees may reduce earnings. Rates are effective 11/1/2021.
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Go Green Checking

No-frills account for those customers looking for a basic checking.

  • No minimum balance required
  • Unlimited online bill payments
  • Image statements available online

Enjoy the following services with your Go Green Checking account:

  • ATM/ Debit cards available to qualified customers. ATM fees may be charged if out of network ATM is used. Use Moneypass ATMs to avoid fees.
  • $5 service fee – waived with estatements.
  • A $5.00 Image Statement Fee applies if a mailed image statement is requested.
  • A Dormant Account fee of $2.00 per month is charged if the account is not used for 6 months. No fee assessed if balance is over $50.00.
  • An Account Closing Fee of $25 is charged if the account is closed within the first six months.
  • Once registered for Bill Payment and it is not used for 3 months a $4.95 monthly fee will be assessed. You may cancel at anytime to avoid a fee.
  • Fees may reduce earnings. Rates are effective 11/1/2021.
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Prime Time Checking

Interest checking for our friends 55 years old and over.

  • No minimum balance is required.
  • $10 off each check printing order
  • Unlimited Online Bill Payment
  • 10% off Safe Deposit Box Rent
  • Mailed statement if requested.  Images available online.

Interest Rate – .05%
Annual Percentage Yield – .05%

  • A $5.00 Image Statement Fee applies if a mailed image statement is requested.
  • ATM/ Debit cards available to qualified customers. ATM fees may be charged if out of network ATM is used. Use Moneypass ATMs to avoid fees.
  • A Dormant Account fee of $2.00 per month is charged if the account is not used for 6 months. No fee assessed if balance is over $50.00.
  • An Account Closing Fee of $25 is charged if the account is closed within the first six months.
  • Once registered for Bill Payment and it is not used for 3 months a $4.95 monthly fee will be assessed. You may cancel at anytime to avoid a fee.
  • Annual Percentage Yields (APY) and Interest Rates are subject to change at any time. Interest calculated on the collected balance and compounded and credited monthly. Fees may reduce earnings. Rates are effective 11/1/2021.

Personal Savings Accounts

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Statement Savings

Whether you are saving for a rainy day, that special vacation or a child’s education, Statement Savings offer flexibility and security. The account may be tied to your checking account to provide a safeguard from overdrafts, while giving you the opportunity to earn interest.

  • Interest Rate .05% Annual Percentage Yield .05%
  • Interest compounded and credited daily, calculated using the daily balance method
  • $50 average balance required. Interest earned on balances over $100
  • $1.00 per debit fee for each debit over 3 per month
  • Dormant account fee of $2 per month is charged if the account is not used for 6 months and balance is below $50.
  • Account closure fee of $25 will be assessed if the account is closed within the first 6 months.
  • Annual Percentage Yields (APY) and Interest Rates are subject to change at any time.
  • Fees may reduce earnings. Rates are effective 11/1/2021.
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Looney Tunes Savings Club

Teach your child to “tune” into savings with this special club membership. Kids ages 0 to 17 will receive the same features and benefits as our Statement Savings accounts.  Deposits and withdrawals feature Looney Tunes characters to encourage kids to have fun while saving!

  • $2 Statement Savings monthly below minimum fee is waived for children under 18
  • All other terms and conditions of the Statement Savings Accounts apply
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Preferred Money Market

Earn a higher rate of interest while retaining access to your account by check.

  • Minimum balance of $2,500 required
  • Unlimited number of deposits
  • Teired interest
  • Interest calculated on collected balance and compounded and credited monthly
  • 6 debits permitted monthly with $10 fee per debit over 6
  • $10 below minimum fee per month if balance falls below $2,500
  • Dormant account fee of $2 per month is charged if the account is not used for 6 months and balance is below $50.
  • Account closure fee of $25 will be assessed if the account is closed within the first 6 months.
  • Annual Percentage Yields (APY) and Interest Rates are subject to change at any time.
  • Fees may reduce earnings. Rates are effective 11/1/2021.

Health Savings Account

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Health Savings

Health Savings Accounts (HSAs) are tax-exempt accounts where funds grow to pay for medical expenses.  HSAs allow you to pay for current health expenses and save for future qualified medical expenses on a tax-free basis.  You must be covered by a High deductible Health Plan (HDHP) to be able to take advantage of a Health Savings Account.

Certificate of Deposits

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Certificate of Deposits

Structured savings on your schedule. Earn a fixed competitive rate for a predetermined amount of time.

First State Bank of Wyoming offers Savings Certificates that pay a higher rate than a statement savings account.  You may choose the length of your investment and receive the associated annual percentage yield on your deposit for the term of the certificate.  If you need the funds before the term end, you will be subject to a penalty for early withdrawal, but you will have immediate access to your funds.

Savings Certificates are also an excellent investment for Individual Retirement Accounts.   All funds are insured by the FDIC up to $250,000 per depositor, per insured financial institution for each account ownership category as defined by FDIC.

 

Individual Retirement Accounts (IRAs)

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Traditional IRA’S

Often, contributions are 100% deductible.

Earnings grow tax-deferred.

Distributions are generally taxable, but penalty-free if withdrawn under one of the following circumstances:

  • Attaining age 59 ½
  • Incurring a disability
  • Payment for certain health insurance, medical expenses, and higher education expenses
  • Purchasing a first home
  • Taking equal, periodic payments
  • Death (payments to beneficiaries)
  • Distributions are required by Traditional IRA holders beginning at age 70½
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Roth IRA’S

Contributions are never deductible.

Earnings can grow tax-free.

Contributions can generally be distributed tax-free at any time.

Earnings can be distributed tax-free if the Roth IRA holder has first made a Roth IRA contribution at least 5 years ago AND one of the following events occur:

  • Attaining age 59 ½
  • Incurring a disability
  • Purchasing a first home
  • Death (payment to beneficiaries)
  • Distributions are not required to be taken by Roth IRA holders at age 70 ½

We recommend that you discuss these options with a competent tax advisor prior to deciding whether to contribute to a Traditional IRA, Roth IRA, or both.

Savings OD Protection

Offer yourself the protection you deserve. Avoid Overdraft fees by automating a transfer from your savings account when your checking balance falls below zero.

Learn More

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Ready Reserve

For when life happens.

Avoid overdraft fees by linking a line of credit to your checking account.

Learn More

hand holding a number of debit cards

Debit Cards

Easy, secure and safer than cash.

Now with additional fraud controls at your fingertips!

Learn More

man writing personal check

Check Reorders

Check reorders can be made online!

Follow the link to view additional check designs and reorder your checks in minutes!

Order Checks

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Digital Banking

Enjoy the ease and security of banking online. Our mobile apps are modern & convenient.

Enjoy the many benefits of banking online!

Learn More

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Mobile Deposit

Deposit checks anytime, anywhere!

Use this convenient service to quickly and efficiently deposit your checks.

Learn More

 
How Are Your Deposits Protected?
First State Bank of Wyoming is a member FDIC. The FDIC–short for the Federal Deposit Insurance Corporation– is an independent agency of the United States government. The FDIC protects you against the loss of your deposits if an FDIC – insured bank fails. FDIC insurance is backed by the full faith and credit of the United States government. Visit the FDIC calculators on their website which help consumers determine the amount of coverage in each bank.

 
Verifying your identity as required by the Patriot Act
Important information about procedures for opening a new account:  To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. In addition on legal entity accounts, we will require identification on the beneficial owners and the controlling person.

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.  We thank you for your understanding and for joining us in securing a safer tomorrow.