Phone: 903.693.6606 24 Hour Touch Tone Banking: 903.693.9150 110 W. Panola Street, Carthage, Texas
Reporting A Lost or Stolen Debit Card
Please contact us as soon as possible at (903)693-6606! During business hours you will be directed to our Fraud Department. After business hours, take option 5 from the voice menu and you will be directed to our After Hours Fraud Service.
Retirement
Don't leave your financial future to chance. Come by First State Bank & Trust Co. today to start planning for your retirement. The time to start is now!
At First State Bank & Trust Co., we offer you several solutions to help make your golden years financially secure. By opening an IRA with First State Bank & Trust Co., you have the option of contributing a portion of your income to an IRA. Below you can learn about the different types of IRAs we offer.
Traditional IRAWith a Traditional IRA, you may be allowed to make tax-deductible contributions within the annual contribution limits to your account, allowing you to defer taxes on the earnings until withdrawn. In addition, IRAs are insured separately from your other bank accounts, up to $250,000, effective April 1, 2006. |
ROTH IRAA Roth IRA allows you to make nondeductible contributions within the yearly limits and features allowable withdrawals for certain distribution reasons after a five-year holding period and attaining 59 1/2. |
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CESAA Coverdell Education Savings Account (CESA) allows you to make nondeductible contributions up to $2,000 a year to pay for your child's education. Earnings grow tax-free and may be withdrawn for qualified education expenses. Some other restrictions may apply. |
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SEPA Simplified Employement Pension (SEP) Plan is a great retirement savings tool that allows your employer to make contributions to your IRA. These contributions are not considered income to you and you will not be taxed on them until distribution. |
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