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During these times of uncertainty, we understand that financial hardship is a real possibility for many of our customers. With the anticipation of the Federal stimulus funds arriving in the next few weeks, on a case by case basis, we will allow customers to overdraft their checking accounts and waive all applicable fees. In order to qualify, you will need to forward us pages 1 and 2 of your most recent federal income tax return (2018 or 2019). If you qualify based on your federal income tax return, you will be notified directly by a representative of 1st State Bank.

We understand every situation is different and there are many ways we may be able to help. Some of the ways may include:

  • Early withdrawal penalties of Certificates of Deposit waived.
  • Purchases of critical necessities (groceries, medical expenses, etc.) won’t result in NSF charges in the event those purchases drop an account to a negative balance.
  • Wire fees waived for consumers using the funds to assist family members in need.
  • Stop pay fees waived for those in need.


If you are a current customer experiencing hardship due to COVID-19, please fill out the following webform and include your latest Federal Tax Return:

  • Drop files here or
    Accepted file types: pdf, jpg, png.
    Please upload the first two pages of your Tax Return


COVID-19 Information

We are here to help in these uncertain times. Check out our COVID-19 page for updates and helpful resources.
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