Automatic Clearing House (ACH) Services

First State Bank is an originator for ACH debits and credits. This automated service provides you convenience and accuracy by replacing paper-based transactions with more efficient electronic transactions. Your company's payroll can be electronically deposited into your employees' personal banking accounts at any financial institution. You may also authorize us to accept debits and credits into your account. This service can help eliminate costly delays.

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ATM / Debit Cards - MasterMoney

With a First State Bank MasterCard debit card, you have access to your money at thousands of Automated Teller Machines (ATM) in Kansas and Missouri, all across the nation, and all around the world. Wherever you are, your money is as close as the nearest ATM displaying the CIRRUS, MasterCard, Pulse, InterCept or most other ATM network decals.

For ATM Transactions: Your debit card is simple and easy to use. Just insert your card in the ATM or swipe it through the ATM card reader and then enter your PIN number. The ATM will guide you through the transaction of your choice:

• Withdrawal of funds from checking or savings accounts
• Balance Inquiries
• Transfers of funds between accounts

For store transactions, save yourself the hassle of check writing. Your debit card can be used to make purchases at any store location displaying the MasterCard logo. Select your preference of either the "credit" or the "debit" option. (The "credit" option will require a signature; the "debit" option will require the PIN.) Make your selection, check out in just a few seconds with your debit card, and be on your way.

Your First State Bank debit card is a valuable link between you and your money anywhere or anytime, emergency or play.

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Cashier's Checks

A Cashier's Check represents guaranteed funds and is the much safer equivalent of cash. The Cashier's Check is ideal anytime there is an exchange of ownership interests or property title for the purchaser's payment. Selling a car or boat? Before you hand over the signed and notarized title, make sure you get paid. Payment by cash is fine but not really safe. Payment by Cashier's Check may be a much better alternative.

Cashier's Checks from First State Bank are available to bank customers in exchange for cash or other guaranteed/collected funds.

A word of caution: Cashier's Checks are not subject to a stop payment order and replacement requires a lost instrument affidavit and may require a lost instrument bond from your insurance provider. These items should be treated with special care because they may be difficult to replace.

Only our lobby tellers issue these items and a small fee is charged.

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Christmas Club

Christmas Club accounts are a popular program and a convenient way for you to build savings for the holidays. Many of our customers have found that very small periodic sacrifices can gain a great benefit later on. New Club accounts are opened beginning the first week in November, in your choice of a $5, $10 or $20 weekly payment programs. These are non-interest-bearing accounts. Early withdrawal or late payment fees may apply.

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Collection Services

Wouldn't it be great if every check you received was paid the first time through the system? Unfortunately, that is not always the case. Some checks are returned for insufficient funds or for other reasons. So what do you do to conveniently collect your money?

One method of attempting collection of those returned items is to bring the check to us for collection. We will send the check and a collection letter to the bank on which the check is drawn. Typically we ask the bank to hold the check for 10 days to see if there are, anytime during that term, sufficient funds for the payment of the item. The bank holding the item will either return to us an official check if the item can be paid, or they will return the check to us at the end of the holding period.

We charge a per item fee for this service. (Note: The receiving bank may also charge a fee for monitoring the account and issuing their official check.)

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Direct Deposit

For security and convenience we accept Direct Deposit of your Social Security, VA benefits, pension benefits or paychecks! There's no need to rush to the bank to make your deposit or worry about lost or stolen checks. With Direct Deposit, you know your money is safely in your account! We will be happy to instruct you on how to get this set up.

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Financial Calculators

Please click here to view our financial calculators page.

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Gift Cards

Give a gift that's always the right style, the right color, the right choice for birthdays, graduation, holidays, and weddings. A Visa Gift Card is always the perfect gift for any occasion.

• The Visa Gift Card is not a credit card. It's a prepaid gift card that can be used in the United States wherever Visa debit cards are accepted.at stores, by phone, and online.
• The Visa Gift card can be replaced if lost or stolen.
• The minimum purchase amount is $25. The maximum amount is $500. You may purchase multiple cards for amounts greater than $500. The cards are not reloadable.

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Money Orders

Need a one-time check to pay a bill or to move money? Never send cash. Use a First State Bank personal money order instead. Money Orders are a convenient, inexpensive, and safe method of payment used by many of our customers. Money Orders provide a valuable proof of payment. As the purchaser, you keep one copy of the Money Order for your records. The payee-endorsed original, once paid, is kept at the bank for an extended period of time. And, if the Money Order is lost, it may be easily replaced without hassle for just the cost of a stop payment order.

Money Orders may be purchased from any of our tellers in any amount up to $1,000. A minimal fee is charged for each item issued.

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Night Depository

For the safety and convenience of our customers, a 24-hour night depository is located on the North side of the building through the commercial drive-thru lane. Envelopes are provided for your use. For making larger deposits, visit an account representative to purchase lock bags or to secure a depository key.

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Notary Services

Notary services are provided free of charge to our customers. For your protection, we may require proper I.D. with a photo and signature. All information must be completed on the document being notarized; however, do not sign the document until you are in front of a notary public. If you are unsure about what information is required on a document, please contact legal counsel for advice.

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Safe Deposit Boxes

What would you grab if you knew a natural disaster would hit your home in five minutes? Besides your family members and pets, you would probably take items that are nearly impossible to replace. For example:

Protect your valuables and important documents from theft, fire, natural disaster, or prying eyes. We have a variety of sizes of safe deposit boxes for your convenience, and your annual rental fee may be auto-debited from your checking or savings account.

The Federal Deposit Insurance Corporation (FDIC) does not cover the contents of safe deposit boxes. A safe deposit box is only a secure storage space provided by the Bank. For box availability, stop in or call us at 913-371-1242.

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Stop Payment Orders

If you have ever lost a check or if you have used a check to purchase a product or service that turned out to be misrepresented or defective, you know the importance of a Stop Payment Order. Call us as soon as you become aware of a problem, give us the necessary information, and we will add the stop payment order to our records.

There is a modest fee for each stop payment order requested. While most banks offer stop protection for six months, we keep our written stop orders active for one year. Our bookkeepers and tellers can help you with this service.

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24-Hour Free Telephone Banking Services - "Informant"

The timely reporting of account balances, the posting of checks and other debit items, or the posting of deposits made, is an essential part of the daily cash management process for many organizations, large or small. Also, for many organizations, the timely reporting of information has important security applications. The "Informant," our 24-Hour Telephone Banking Service, makes all of this an easy, flexible and convenient process.

(913) 371-0283

One of the most convenient telephone banking services in town is available only to the customers of First State Bank. With the "Informant," a touchtone phone, and a personal identification number (PIN) that you select and may change whenever necessary, you now have "Round-The-Clock" access to information about your:

How can the "Informant" serve me? How can it make banking easier for me? With the "Informant," you have access to your account information 24 hours each day, 7 days a week. You can get information or perform inquiries such as:

Two special features are used by many of our customers?

1. You may call the "Informant" anytime up to the daily close of business to transfer funds between related accounts at the First State Bank. Need to make a transfer to the payroll account? No problem! Just call the "Informant" and transfer the funds. The transfer will be posted on the current day's business, and you never have to leave your office. (For safety and security reasons, a special sign-up and authorization is required prior to the first use of this service.)
    
2. You may order or schedule a FAX statement showing all recent transactions to your account. The FAX of activity may be sent to the fax number of your choosing, so you have access to account information at work, or at home, or even if you're on the road.

All "Informant" services are FREE to First State Bank customers.

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U.S. Savings Bonds

U.S. Savings Bonds make a great gift and are an excellent way to save for the future! You may redeem eligible bonds or purchase new Series EE and I Bonds at First State Bank. To learn more about U.S. Savings Bonds go to www.savingsbonds.gov.

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Wire Transfer Services

Wire transfer services are available only for First State Bank customers for a nominal fee. There is no dollar amount limit for wire transfers.

Outgoing wire transfer requests may be made in person or via fax. For a Wire Transfer Request form click here. Wire transfers can be made Monday through Friday, between the hours of 9:00 a.m. and 3:00 p.m. Incoming wire notification is available. All incoming wires for your credit should be sent as follows:

Contact us at 913-371-1242 for more information.

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