F

First State Bank

Best ForEveryday Medical Spending
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

First State Bank provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

Since 1884 we have grown into a trusted and respected community institution. This has been based on our ability to help people realize their personal, financial, and business goals.

To deliver on this promise, we have a number of accounts and services for our valued customers. We are excited to offer Kasasa®, a new way to bank. Qualify for high interest rewards or cash back and nationwide ATM refunds with Kasasa Cash®. Kasasa Cash Back® by doing the things you already do anyway, like using your debit card each month. To make things even more convenient, transfer the interest and ATM fee refunds over to Kasasa Saver® and build your savings automatically.

Conveniences like First Click online banking & bill pay and mobile banking make it easy for you to manage your accounts from the privacy of your own computer or mobile phone. Now you can bank on your own time, any time.

You're at home with us!

Key Features

Banking & Access

Includes debit card.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

Requires $50 minimum balance. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

First State Bank currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Interest rates are not currently available for this provider.

Contact Information

Address

19230 State Route 136 Winchester, OH 45697 Customer Service

Customer Service

937-695-0331

19230 State Route 136 Winchester, OH 45697 Customer Service

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)Not published
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available
  • No online banking
  • Interest rates not published

User Sentiment

Based on community feedback

--
NegativeNeutralPositive

Sentiment data coming soon

Compare with Related Providers

L

Linn Area Credit Union

Linn Area Credit Union is a not-for-profit, full-service financial organization with branches in Cedar Rapids and Marion, Iowa. We are very much a local organization; our employees are your neighbors and our kids go to the same school. “We Are Family” is not just a tagline, it’s how we operate. We don’t call you “customers,” we call you “members.” You’re a member of the family, as well as a member/owner of the credit union. (We aren’t going to make you wear a Member’s Only jacket, though. That would be ridiculous.)

Read Review →
W

Warren-Boynton State Bank

The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service. Warren-Boynton State Bank is a full-service bank offering loan services for farm, commercial, and consumer purposes as well as commercial and residential real estate loans. The bank has a comprehensive line of deposit products for both businesses and consumers including checking accounts, money markets, savings, IRAs and certificates of deposit.

Read Review →
F

Fortifi Bank

Fortifi Bank has been a federally chartered financial institution for 140 years. Our asset size is $395 million and our capital levels are considered very strong. We will be here for at least another 150 years. Together, we fuel progress in the neighborhoods where you live and work. Your money turns into loans for individuals and small businesses that you know. We always provide the ultimate client experience and exist to fulfil the dreams of people, businesses, and communities through innovative financial solutions.

Read Review →