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Personal Checking

The account descriptions below are not intended to be complete disclosures of all account features and fees. To obtain a full disclosure, contact us for a copy of the "Your Deposit Account" brochure.

Personal Checking

The Personal Checking account is a non-interest bearing checking account with lots of benefits. This account features Unlimited Check Writing, Image Statements, Standard Printed Checks, Internet Banking Access, Bill Pay Plus, Phonebank Access, and no fees for use of ATM/Visa Debit Cards at First State Bank of Uvalde ATMs.

This account requires a minimum opening deposit of $100 and a $500 minimum daily balance to avoid the monthly maintenance fee. The fee is waived for the first statement cycle. After the first statement cycle, if at any time, your daily balance drops below $500, an $8 fee will be assessed.

Free Checking

The Free Checking account is a non-interest bearing checking account available to individuals and organizations for a non-business purpose. This account features Unlimited Check Writing, Internet Banking Access, Bill Pay Plus, Phonebank Access, no fees for use of ATM/Visa Debit Cards at First State Bank of Uvalde ATMS, and a monthly statement (no images).

This account requires a minimum opening deposit of $100 and has no monthly minimum balance and no monthly account fees!

Direct Pay Account

First State Bank of Uvalde's Direct Pay Account is a non-interest bearing account available to individuals for a non-business purpose. This account does require Direct Deposit, but it comes with many benefits. The Direct Pay Account includes no fees for Automated Clearing House (ACH), Point-of-Sale (POS) & First State Bank of Uvalde ATM withdrawals. It also includes an Image Statement, Internet Banking Access, Bill Pay Plus, Phonebank Access, and no fees for use of ATM/Visa Debit Cards at First State Bank of Uvalde ATMs.

The Direct Pay Account does not require a minimum opening deposit and all of this is available for a monthly maintenance fee of $3.

Personal NOW

The Personal NOW account is for those who keep a higher account balance and want to earn interest on it while having the flexibility of a checking account. This account includes Unlimited Check Writing, an Image Statement, Standard Printed Checks, Internet Banking Access, Bill Pay Plus, Phonebank Access, and no fees for use of ATM/Visa Debit Cards at First State Bank of Uvalde.

The Personal NOW account requires a minimum opening deposit of $100 and a $1,000 minimum daily balance to avoid a monthly maintenance fee. The monthly maintenance fee of $10 will be waived for the first statement cycle. Interest rates and annual percentage yield for this account are available by request by calling (830) 278-6231 or by coming into one of our 8 convenient locations.