Direct Checking Account

Requirements and Restrictions

  • A minimum deposit of $100.00 is required to open the account
  • Must have direct deposit of payroll, retirement, or any government payment
  • Check writing is not allowed, only electronic payments
  • Unlimited cash withdrawals in amounts up to account balance


  • No minimum balance requirement
  • Unlimited transactions
  • No charge per item
  • Free ATM or debit card
  • E-mail notification of debit card transactions upon customer request
  • Imaged account statements for convenience of delivery and record retention
  • Complimentary binder for indexed storage of account statements
  • FREE convenient 24 hour telephonic access to account information
  • FREE online banking for management of account funds
  • Access to online bill payment through First State Bank of Bedias Internet Banking


  • A monthly maintenance service charge of $3.00 is imposed regardless of balance
  • An optional e-mail notification service charge of $1.00 for unlimited number of email notifications of debit card transactions
  • Foreign ATM charges apply