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Personal
- Checking Accounts
  We offer a variety of account types to help you achieve your dreams.
- Savings
  Whatever you need from a savings account, we have the right home for your money.
- Lending
  Live your dreams by borrowing from people you know and trust at your local community bank.
- Popmoney
  Pay People - Easy & secure online personal payment service
- Mobile Banking
  Mobile Banking
- E-Services
  Personal Products - E-Services
- Financial Education
  Personal Products - Financial Education
- Financial Services
  We are your full service financial center.
- Debit Cards
  Debit Cards - Frequently Asked Questions
- Safe Web Browsing
  Avoiding Social Engineering Attacks
We offer a variety of account types to help you achieve your dreams.
Business
- Checking Accounts
  Making things easier for the business owners and managers that keep our community growing.
- Savings
  Grow your balance and keep your money close to hand - make the right choice for your business.
- Lending
  Considering a purchase, start up, or refinance of your business? We are ready to assist you.
- Popmoney
  Pay People / ZashPay is an easy, fast and secure online personal payment service.
- Mobile Banking
  Mobile Banking
- E-Services
  Manage all of your First State Bank accounts online at your convenience.
- Financial Services
  We are your full service financial center.
- Debit Cards
  Debit Cards - Frequently Asked Questions
- Online Security
  Protect yourself from Online Scams and Fraud
Making things easier for the business owners and managers that keep our community growing.

CONTACT US

(903) 676-1900 or Telebank (903) 677-3388

Branches
- Downtown Athens
  First State Bank has graced the southeast corner of the town square in Athens for nearly 50 years.
- Tyler Street
  This modern banking facility includes a drive through service area as well as a spacious lobby.
- Gun Barrel City
  Conveniently located in the center of Gun Barrel City on Main Street.
- Mabank
  Our bank in Mabank looks like an old train depot and sits on the site of the original Mabank Depot.
- Malakoff
  Our employees in Malakoff go out of their way to make sure residents have the services they need.
- Atm Locations
  We have an ATM convenietly located at all of our First State Bank locations .
First State Bank has graced the southeast corner of the town square in Athens for nearly 50 years.
About
- Learn About Us
  First State Bank has a history reaching back to 1935 and we've experienced incredible growth.
- Executive Team
  Learn about First Stat Bank's Executive Team.
- Branch Managers
  Learn about First Stat Bank's Branch Officers.
- Loan Officers
  Learn about First Stat Bank's Loan Officers.
- Operations Officers
  Learn about First State Bank's Operation Officers
- Holiday Schedule
  Learn which days First State Bank will be closed on throughout the year.
- Employment
  Learn about opportunities to work for us, our Employees of the Year and our long-serving employees.
First State Bank has a history reaching back to 1935 and we've experienced incredible growth.
Community
- In the Community
  No one is more invested than First State Bank when it comes to community involvement.
No one is more invested than First State Bank when it comes to community involvement.

News:

E-Banking "Life made simple" with First State Bank

Debt Consolidation Loans are available....contact one of our loan officers today.

We will be closed on Monday, May 27th in observance of Memorial Day.

Personal Products - Tiered Money Market Account

Capital preservation and lower risks

REPORT

Lost or

IMPORTANT

disclosures

for new FDIC rules

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from our partner site

For our customers who are serious about how they manage their money and who are concerned about capital preservation and lower risks, our Tiered Money Market Account is a great option. Based on your balance, you qualify for a tiered rate of interest. Earn more when you save more.

Minimum To Open $10,000.00

Minimum Balance $10,000.00

Monthly Service Fee $10,000 and over: no maintenance fee

Under $1,500 balance: $10 with check image sttement. Preauthorized limited to 6 in a statement cycle (monthly) by draft or similar order made to third parties. *Third party transfer include ACH Debits, transfers to cover overdrafts on a transaction account and telephone transfers either through the phone, tele-bank, or internet banking.

First State Bank Policy: 3 free withdrawals per month

Excessive withdrawals: $10 each

“I appreciate earning a higher rate of interest when I keep a higher balance.”