First State Bank Athens 2022 See Comprehensive Details : Current School News

First State Bank Athens 2022 See Comprehensive Details

Filed in Articles, Banking by on March 22, 2022



– First State Bank Athens –

Are you searching for First State Bank? First State Bank is a community bank providing a much-needed service to farmers, ranchers, and business owners in Athens, throughout Henderson County, and the surrounding communities. Its mission is to build mutually beneficial customer relationships by being the local bank and employer of choice.

First State Bank Athens

If you desire to bank with them, then this article is for you.

About First State Bank

First State Bank was established in 1935 as Farmers and Merchants State Bank. As a community bank, they provide a much-needed service to the farmers, ranchers, and business owners in Athens and throughout Henderson County and the surrounding communities.

Their focus on maintaining the friendliness and personal attention of a community bank is one reason they have been serving some of the same customers and their families for nearly 80 years.

We thrill them to welcome new customers daily. They focus everything they do on providing a positive banking experience for the individuals, families, and businesses that trust us with their financial services.


Since those early days in the 1930s, their bank has grown tremendously, from one location in Athens to two. They’ve also opened branches in Corsicana, Mabank, Malakoff, and Gun Barrel City.

Today, their six locations account for more than $487 million in assets and their employees are key members of all the communities we serve. Despite this phenomenal growth, their commitment to customer service remains the same.

The mission of First State Bank is to build mutually beneficial customer relationships by being the bank and employer of choice in the communities they serve. First State Bank believes what sets them apart is their focus on customer service.

Every employee of their bank cares enough to get to know their customers personally. When you walk in the door of their six branches, their friendly staff is always on hand to say hello.

That’s the way they do business, and they believe it’s the cornerstone of their success.

First State Bank Athens: Business Checking with Athens First Bank

First State Bank Athens

Bank services that meet your business goals.

Athens First Bank looks at its relationships with businesses as being reciprocal. If your business is successful, they are too.

Business owners are the reason their community stays grounded, which is why we have designed checking accounts to make things easier for your operations.

From regular business checking accounts that help you run smoothly, to money market accounts that allow you to earn a higher rate of return on your money without putting it at risk.

Check tampering remains a threat to businesses despite the popularity of electronic payments. The counterfeiting of checks is on the rise because of sophistication in colour copying and publishing. Positive Pay allows you to protect your business from fraud threats by check.

How Does it work?

1. Business Customer submits check issued reports through business online banking. (List of check numbers, dollar amount, and account number of each check)

2. Positive Pay verifies criteria when a cheque is presented for payment.

3. They met if criteria, it paid a check. They create exceptionally positive Pay finds mismatched data.

4. They sent an exception report to the customer for a pay/no pay decision.

For more information on the product and associated costs, please contact [email protected] or call (903) 676-1900.

First State Bank Athens: Business Savings with Athens First Bank

Keeping Cash Close at Hand

A Statement Savings account with First State Bank offers a safe way to set aside money for unexpected emergencies. Knowing that your money is safe and earning interest for you provides peace of mind when you need it the most.

  Statement Savings
(Qualified Businesses)
Minimum to Open$100
Minimum Balance$100
Monthly Service FeeSee Below (1)
InterestSet Periodically
FSB Debit Card 
ATM Access
(FSB & Austin Bank at no cost)
Online Banking
Bill Pay Service
StatementsFree Paper Statement

1. If balance falls below $100 within the quarter, $5 service charge.

2. Preauthorized third-party transfers, including ACH debits, transfers to cover overdrafts, and transfers by phone, telebanking, or Internet banking limited to six within a quarterly statement cycle.

3. Three withdrawals per quarter allowed at no charge; They charge withdrawals over three $2.00 per withdrawal.

4. Must have a checking account as primary. $7.50 will be assessed on primary checking.

Branches & ATM Locations

Athens – Downtown

Athens – Tyler Street


Gun Barrel City



We pride ourselves on listening to what our customers have to say. Please present us with questions you may have by filling out the form to the right. We will respond as quickly as we can.

If you need to send confidential information to us, such as your account number or transaction information, please use our secure email service.

(903) 676-1900

(903) 677-3388 or (855) 677-3388 Telebank

Secure email service

Branch & ATM location

First State Bank Athens: Investment Services

This bank also offers investment services that can meet your needs. I will also tell you about this.

Busy lifestyles and multiple priorities make successful financial strategies more challenging than ever. In today’s complex and ever-changing financial marketplace, it’s important to take a team approach toward pursuing financial independence. 

When you join with your First State Financial Services Representative, you create a powerful team.

Kyle Roberts
Investment Executive

Tel: (903) 676-1936

What Do They Do in Investment Services?

With their knowledge and the convenience of a full-service investment firm at your command, achieving financial independence can be more than just a dream. 

They’re ready to help you turn your financial goals into a reality.  They feature a wide range of investment opportunities to address your needs. Services provided include:

‣ Retirement Strategizing

‣ Estate Strategizing

‣ Traditional and Roth IRA’s

‣ 401K Transitional Assistance

‣ Employee Retirement Accounts

‣ College Education Savings Plans

‣ Long Term Care Insurance

‣ Financial Strategizing

‣ Portfolio Reviews

‣ IRA Rollovers

‣ Fixed & Variable Annuities

‣ Life & Disability Insurance

‣ Mutual Funds

They offer securities and Advisory Services through LPL Financial, a registered investment advisor, member FINRA/SIPC. It offered insurance products through LPL Financial or its licensed affiliates.

Further Details

First State Bank and First State Financial Services are not registered brokers/dealers and are not affiliated with LPL Financial. 

They do not insure the investment products sold through LPL Financial by First State Bank deposits and are not FDIC insured.

These products are not obligations of the First State Bank and are not endorsed, recommended, or guaranteed by First State Bank or any government agency.

The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: TX, CO, NC.

Do you want to enroll for a mobile deposit with Athens First Bank?

The frequently asked questions below will be of help to you


Frequently Asked Questions

below are the faqs about First State Bank Athens

Ques 1: How Do I Enroll for Mobile Deposit? 

Ans: Go to
Click on the Personal tab
Click on the Mobile Deposits menu option from the Personal tab
Review the service requirements and click on Enroll Today! Link.
Wait 1-2 days for an email from our staff.

Ques 2: What Type of phone is required to make a Mobile Deposit?  

Ans: iPhone 3GS and above that are running Apple iOS 5.0.1 or newer. 
Android-based smartphones must have at least a 2 Megapixel camera and be running Android 2.2 or newer.

Ques 3: What is the Cost to Use Mobile Deposit? 

Ans: There are no costs for the customer to use Mobile Deposit. Please refer to the Mobile Deposit Terms and Conditions for more details.

Ques 4: Can I Deposit any Type of Check?

Ans: Most checks are acceptable including payroll and government checks.  The following check types are NOT allowed through Mobile Deposit.
Money Orders
Travelers Checks
Two-Party Checks
Foreign Checks
ComData Checks
Credit Card Advance Checks
Savings Bonds

Ques 5: Is there a limit on the number of checks I can deposit?

Ans: One check at a time.
No limit to the number of checks in one day.
The daily deposit total cannot exceed $3,000.

Ques 6: Do I need to endorse my check? 

Ans: All checks need to be endorsed with the payee signature and labelled “For Deposit Only” before being scanned.

Ques 7: When will my deposit be available?  

Ans: Deposits submitted on a business day before 4:00 PM that have passed the review process will be posted that day. Deposits are generally available for withdrawal on the next day. Holds may apply to all mobile deposit items.

Ques 8: What do I do with my paper checks once I’ve deposited them?

Ans: Write “MOBILE DEPOSIT” and the date of deposit across the front of the check.
Confirm that funds have been credited to your account.
Securely store the check for 7-14 days then destroy it. (I recommend shredding).

Ques 9: How do I make a mobile deposit?

Ans: Make sure you have downloaded the First State Bank Mobile Banking app on your iPhone or Android device.
Sign in on the Mobile Banking app using your online banking user ID and password.
Select the “Deposit” button. The deposit tab will be at the top for Android users and the bottom for iPhone users.
Select the checking or savings account into which you want your check to be credited.


Type in the amount of your check.


Make sure your check is properly endorsed.
Take a photograph of the front and back of your check.
Confirm the transaction by selecting yes or no.
If the deposit has passed all steps, it will now show as Pending.

Ques 10: What are some reasons my deposit may be rejected?

Ans: Dollar amounts may not match.
Folded or crumpled checks.
Poor lighting.
The image may not be in focus, or the entire check may not be visible.
Duplicate item.

Ques 11: How will I know if my deposit has rejected?

Ans: You may see an error message at the time of deposit.  At the time you will be able to retake the picture or start over with a new deposit.

Ques 12: Will I have the ability to view the history of my deposited items?  

Ans: You will view 30 days of deposit history captured from your mobile device.

Athens First Bank Locations

Downtown Athens

130 E. Corsicana Street
P.O. Box 471
Athens, TX 75751

Tyler Street, Athens

1114 E. Tyler Street
P.O. Box 2100
Athens, TX 75751


1600 W. 2nd Ave.
P. O. Box 1477
Corsicana, TX 75110

Gun Barrel City

118 West Main Street
P.O. Box 1408
Gun Barrel City, TX 75147


201 S. Third Street
P.O. Box 459
Mabank, TX 75147


102 W. Royall Blvd.
P.O. Box 1089
Malakoff, TX 75148

Is there any other thing you wish to know about First State Bank Athens that is not here? Kindly drop a comment in the comment of this page then I will respond to it. You can share this article with your friends.

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