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Personal and Business  Banking 
 
 
DEPOSIT ACCOUNTS
Deposit accounts are available at the First State Bank of Golva. For more information or to open
An account, please stop by our bank in Beach, Golva, or Medora.
 
REGULAR CHECKING ACCOUNTS
               
Customer receives a monthly statement that includes images of their cancelled checks

Minimum Balance to open the account
You must deposit $500.00 to open this account.

Minimum Balance to Avoid Imposition of Fees
A minimum balance fee of $8.00 will be imposed every month if the 
balance in the account falls below $500.00 any day of the cycle unless you have a loan or credit card with us.
 
INTEREST BEARING CHECKING ACCOUNT
Minimum deposit of $500.00 required to open an account
Interest bearing account
Interest is calculated on daily balance and credited to your account monthly
Customer receives a monthly statement that includes images of their cancelled checks

Minimum Balance to Avoid Imposition of Fees
A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $500.00 any day of the cycle.
 
SAVINGS ACCOUNT
Minimum deposit of $50.00 required to open an account
Interest bearing account
Interest is calculated on daily balance and credited to your account monthly
Customer receives a statement quarterly. A monthly statement is provided when there
is Electronic Funds Activity activity

Minimum Balance to Avoid Imposition of Fees
A minimum balance fee of $5.00 will be imposed every month if the balance in the account falls below $50.00 any day of the cycle.

Transaction Limitations
Transfers from a Passbook Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft or similar order to third parties are limited to six per statement.
 
 
MONEY MARKET ACCOUNT
Minimum deposit of $2,500.00 required to open an account.
Interest bearing account
Interest is calculated on daily balance and credited to your account monthly
Customer receives a monthly statement that includes images of their cancelled checks

Minimum Balance to Avoid Imposition of Fees
A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $2,500.00 any day of the cycle.

Transaction Limitations
Transfers from a Money Market Demand Account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft or similar order to third parties are limited to six per statement cycle.
 
 
CERTIFICATES OF DEPOSIT
A variety of CD terms available
Interest is paid at maturity or semi-annually depending on the term of the CD
Interest may be compounded or deposited into an existing account
Penalty for early withdrawal
 
IRA ACCOUNTS
 
Traditional                          
Sep
Roth
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