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Real Saver

Accounts: Real Savers


Real Saver
(works together with Reward Checking)


  • Minimum balance to open = $100.00
  • Must maintain a Reward Checking Account
  • Consumer accounts only
  • Subject to monthly transaction limitations *


  • Earn interest on your deposit balance
  • Interest earned on your Reward Checking account are deposited into your Real Saver account, helping you increase your savings account balance
  • If you meet the qualifications for Reward Checking, your Real Saver account earns interest at a rate higher than the base rate **.
  • If you do not meet the Reward Checking qualifications, your Real Saver account still earns a base interest rate.
  • No minimum balance
  • No monthly account fee

* You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts or other similar transactions from your account per month. If you exceed the transfer limitations, your account may be subject to closure by First State Bank.

**IMPORTANT NOTE ABOUT THE AMOUNT OF INTEREST YOU EARN: Your Real Saver account will be linked to your Reward Checking account. Linking causes the interest earned in Reward Checking to automatically be deposited into your Real Saver account when paid monthly. Currently, our Reward Checking account pays a higher interest rate than Real Saver accounts on balances up to $15,000 (this will be lowered to $10,000 on Jan. 1, 2014). Therefore, customers with Reward Checking balances less than that amount will earn LESS interest by opening a Real Saver account.



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