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As a proud partner of NCTC, First State Bank offers Faculty & Staff account options and other bank products and services for smarter money management. Between busy schedules and investing in the lives or your students and community, it can be hard to find time to make your finances a priority. That's why we're making it easy to get ahead financially, with a list of services tailored to your needs. Wherever you are in your financial journey, we have accounts and services to help you reach your financial goals now and in the future. As you constantly prioritize the needs of others, we're proud to put your needs first. 

NCTC Faculty & Staff Account Options

First Choice Checking

First Choice Checking

Designed to be as simple and convenient as possible. This checking account comes with a debit card, online bill pay, no monthly maintenance fees and more. Only $100 to open an account today.

Reward Checking

Reward Checking

This account offers added incentives over our First Choice checking accounts and provides refunds for nationwide ATM fees.

Senior Checking

Senior Checking

This full-service checking account is specifically tailored to active seniors. It comes with personalized checks, online bill pay and a debit card. Must be 62 or older to apply.

Savings Account

Savings Account

Personal Savings Accounts only require a $100 deposit and allow earnings for a compounded interest on a quarterly basis.

Certificate of Deposit

Certificate of Deposit (CD)

A safe way to supplement your savings and receive an anticipated rate of return. You can have your interest deposited into an account or compounded into your CD. You must have a minimum deposit of $1,000 to get started.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs)

There are two types of IRAs - Traditional and Roth. We can assist with setting these up and rolling over existing 401(k) or other retirement plans. There is only a $300 deposit!

Personal Loans

Personal Loans

First State Bank offers loans to fit customer needs. Customers can apply for a loan on cars, specialty vehicles and other personal needs, including weddings, vacations and more.

Home Mortgage Loans

We can customize a home loan with competitive rates and neighborly service. Loans are provided for homes, home equities, construction or home improvements and land/lots.

Wealth Management Services

We offer a variety of Wealth Management Services including Living Trusts, Estate Administration, Testamentary Trusts, Charitable Trusts, Investment & Brokerage Services and Retirement Planning.

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Remote Banking Services

We offer a variety of Remote Banking Services, allowing for easy bank access from anywhere.

  • Online Banking - access information in a safe and secure online environment.
  • Mobile Deposit - deposit your checks using the First State Bank app.
  • Digital Wallets - set up and pay with your smartphone at many retailers.
  • ITMs - enjoy a personalized but fully digital banking experience and speak with a bank teller (Monday - Friday 7:30 a.m. - 6 p.m. and Saturday 8 a.m. - 12 p.m.) throughout your entire banking process.

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