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Thank you for choosing First State Bank.  This process will take about 10 minutes and you can track your progress on the left side of the screen. For your protection, your online session will automatically time out if there is no activity for 15 minutes and you will be required to restart your session.

Personal Deposit Account Application Requirements

To complete a personal deposit account application, you will need the following information for yourself and the joint applicant:

  • Address (PO boxes cannot be used) including previous home address if you have lived at your current home address less than two years
  • Phone number
  • Social Security or Tax ID Number
  • Date of birth
  • One valid form of identification (driver's license, passport, or government-issued ID), including the ID number, date of issue, and expiration date.  NOTE:  When using a State Identification card, two other pieces of information are also required.  Acceptable items include any mailings addressed to you that were sent to your current address (not forwarded), billing statements, utility bills, etc.
  • For electronic funding, you will need your current bank account and routing numbers

We are unable to open accounts online for residents outside of Macomb and Oakland Counties, minors under age 18, non-US Citizens, or Resident Aliens.  All applications will be processed through Early Warning Services.

You can open the following personal deposit accounts online. 

Follow the links for complete information including rates and fees. (Note: The maximum opening transaction allowed is $50,000.00; should you wish to open an account with a larger amount please do so at one of our branch locations.)



Additional Options

Everyday CheckingStatement Savings Debit Card, and Personalized Debit Card with a nationwide surcharge-free network
Classic Checking Holiday Savings ClubTelephone Banking, Mobile Banking, Online Banking and Online BillPay
Premium Account Purpose Money Market Overdraft Protection
You can also apply for mortgages, home equity loans, and credit cards online.  The links provided will take you to the First State Bank website for more information, along with the ability to apply online for these products, and will exit the online deposit application.

Please feel free to visit one of our branches, call us at 866-372-1275 or email us for more information.

Please answer the following questions to continue the application process:


*I am a US Citizen:
*What county do you reside in?:
If you have a Promotional Code, please enter here:
*I am 18 years of age or older: