American Express Travelers ChequesAt First State we want you to be able to travel with peace of mind; we have partnered with American Express to offer safe and affordable Travelers Cheques.
Benefits of Travelers Cheques:
Easy to Use.
Travelers Cheques are easy to use. Simply sign the Cheques when you purchase them and be sure to keep a note of the serial numbers so that you are protected in the event your Cheques are lost or stolen. When you're ready to use a Cheque, just sign your name in the lower left-hand corner in the presence of the acceptor.
American Express Travelers Cheques are welcomed around the world. They're available in numerous currencies and denominations, and are accepted at a wide variety of shops, restaurants and hotels, as well as banks, foreign currency exchange bureaus and American Express Travel Service locations. You can also exchange your Travelers Cheques for local currency free of charge at over 85,000 locations around the world.
No Expiration Date.
American Express Travelers Cheques do not expire, so you can save unused Travelers Cheques for your next trip. Just remember to sign your Cheques when you receive them and you're protected.
At First State, you can purchase American Express Travelers Cheques for just $2 per hundred value.
Bank by Mail
Save yourself a trip. Pop it in the mail.
PO Box 529
Union City, TN 38281
Click here for local office addresses.
BillShrink is a free cost-savings tool that works continuously to save you money on your everyday expenses. Given the vast number of complex offers and plans, such as those from the major mobile carriers and credit card issuers, chances are pretty good you're paying more than you need to.
We make it simple to compare what you've got to what they're offering. And if you're like most people, that means significant savings. Isn't that just how things online should be?
Incredibly useful, simple and free!
How does it work? It's easy. As you review your transactions through your online banking, BillShrink will present opportunities directly to your online banking screen for services or stores that you already use. Take a few seconds, review the offers and chances are you'll be able to find some savings opportunities. You can easily compare what you're spending now for services such as cell phones, gasoline or credit card plans to other offers. We continuously track market changes and present new offers if better savings are available.
If you're already an Online Banking user, try BillShrink today. Or enroll into Online Banking, by signing up at the top of this page. If you have any questions, feel free to email us at firstname.lastname@example.org.
Didn't make it to the bank before we closed? Use our night depository. First State has night drops at each of full-service locations. Drop it in an envelope and well get to it the next business morning. If you wish to use our night deposit services often, ask us for a free zipper bag to use. For larger deposits, we also offer locked zipper bags.
For the convenience of our customers, First State offers official checks. An official check is similar to a cashier's check and is widely accepted by corporations and individuals as a reputable means of payment.
A Special Service for Checking Accounts
At times, unexpected expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience.
At First State, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.
That's why we provide "Overdraft Privilege", a special overdraft service for First States checking customers.
What is Overdraft Privilege?
Overdraft Privilege is a service that will provide you a safety net for unexpected incidents or for emergencies when the funds in your checking account are not adequate to cover transactions. Overdraft Privilege is an overdraft service requiring no action on your part. You don't have to sign anything. Your overdraft privilege limit will be automatically assigned based on your decision to accept the service.
How does Overdraft Privilege work?
Overdraft limits are established for each customer based on a systematic review of the age of the account, normal deposit activity, and changes in repayment patterns for each account. Please note that the amount of the overdraft plus our standard non-sufficient funds (NSF) fee of $32 for each item will be deducted from your overdraft limit. Account holders also incur a daily overdraft fee of $5.00 per day if the account remains in overdraft more than three days consecutively.
How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail or emailed (if you have enrolled to receive notices via email) each time items are paid. The notice will indicate the items creating the overdraft and the NSF fee. You will need to subtract the total fees when balancing your checkbook.
What is my Overdraft Privilege limit?
Your limit will be based on the age of your account, normal deposit activity and your repayment patterns. The limit is subject to change daily.
What if I go beyond my Overdraft Privilege limit?
Overdrafts above and beyond your established Overdraft Privilege limit may result in item(s) being returned to the payee. The standard NSF fee will be charged per item and assessed to your account. An NSF notice will be sent to notify you of our actions. Account holders also incur a daily overdraft fee of $5.00 per day.
How quickly must I repay my Overdraft Privilege?
You should make every attempt to bring your account to a positive balance as soon as possible. If you are not able to bring your account to a positive balance within 30 days your overdraft limit may be reduced to a zero dollar amount.
What does my Overdraft Privilege cost?
There is no additional cost associated with this privilege unless you use it. You will be charged our standard NSF fee of $32 for each item created by check or through in-person withdrawals, ATM withdrawals or other electronic means paid under the limit. (For example, three paid items in one day will result in $96 in NSF fees.) To help you manage your account, the total fees you have paid for NSF items (both paid and returned) during the current month and for the year-to-date, will be reflected on your monthly checking statement in accordance with Federal regulations. Account holders also incur a daily overdraft fee of $5.00 per day.
What are some of the ways I can access my Overdraft Privilege limit? Will my limit be reflected in the balance I receive?
The listing below shows the different ways you can access your Overdraft Privilege limit and indicates whether or not this limit will be reflected in the balance provided.
- Teller Yes
- Writing a Check Yes
- Debit Card Yes
- ATM Withdrawal Yes
- ACH-Auto Debit Yes
- Online Banking Yes
- Telephone Banking Yes
How soon can I use my Overdraft Privilege?
If you are a new account holder, you will receive a $100 overdraft limit after you open your account and will be able to use your limit immediately. Your overdraft limit may change after you have had your account for 30 days based on the age of account, normal deposit activity and your repayment patterns.
What are some other ways I can cover overdrafts at First State?
The best way to avoid overdrafts and NSF fees is to manage your account so you don't overdraw it. However, if a mistake occurs, First State offers other solutions to cover overdrafts in addition to Overdraft Privilege. Please contact your nearest location to inquire about these additional options:
- Deposit Sweeps Transfers
- Transfer of funds from your other First State accounts
- Transfer of funds from your First State Home Equity Line of Credit
Overdraft Privilege costs you nothing unless you use it. However, if you would like to have this service removed from your account, please contact your local First State Bank, call 1-877-910-0173, or complete our online opt-out form.
Safe Deposit Boxes
- Amount of the wire
- Name and physical address of the person to whom you are sending the wire [the beneficiary].
- Branch location, including the bank name, city and country.
- Account number of the beneficiary.