Drive-thru to the future with our NEW ITMs!

Interactive Teller Machines are open 7am-7pm weekdays and are currently live at 501 W. Main, 2002 N Arkansas, 3103 East Main, Ola, and 3732 N. Investment Drive Fayetteville. Drive-thru today and experience innovation with personality.

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At First State Bank we are committed to our employees, customers and the communities we serve. Like many other businesses we have made the decision to close our lobbies. By using the drive-thru window and ITMs, along with other digital channels, we can minimize the health risk to our employees and customers during this Pandemic. Lobby access may be granted by appointment for transactions that cannot be completed via drive-thru, ITM, phone, or Online. To setup an appointment please call 479-498-2400.
We want you to know we are monitoring the rapidly changing circumstances related to COVID -19 and following the recommendations of the CDC. First State Bank has a Business Continuity Plan in place and will continue to provide the level of service our customers have come to know and expect.
As a reminder, we offer several ways to access your accounts and meet your banking needs outside the branch:
Online Banking – Check balances, pay bills, transfer funds. Learn More
Mobile Banking – Check Balances, pay bills, transfer funds and deposit checks. Online banking customers can download our mobile banking app through Apple’s App Store or Android’s Google Play Store. Learn More
Interactive Teller Machines/24-hr ATM – Our Interactive Teller Machines allow customers to drive up and speak with a Live Teller to make deposits, loan payments, balance inquires and cash withdrawals weekdays 7am to 7pm and Saturdays 8:30am-12:30pm. They also operate as an ATM 24-hours a day. Learn More
We are closely watching the situation and will continue to provide updates on our website and social media should any changes occur to normal business hours and services.


The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides for most Americans to receive checks of $1,200 per adult and $500 per child aged 16 and under.  

You'll receive the full amount with an adjusted gross income up to $75,000 for single filers, $112,500 for heads of household, and $150,000 for joint filers. The amount of your check decreases by $5 for each $100 earned over those limits, phasing out entirely for single filers with more than $99,000 in income or married couples with more than $198,000 in joint income.

Your income will be determined by your 2019 tax return, or by your 2018 return if you haven't filed for 2019 yet. If you have neither a 2018 nor a 2019 tax return, you can still receive the check based on information from your Social Security statements. However, whether you've filed a return or not, you'll need a valid Social Security number for every household member to be eligible. And you cannot receive a payment if anyone claimed you as a dependent on their tax return, even if you are an adult. 

You don't have to apply to receive your credit, and most people should expect their payments within three weeks from the passage of the CARES Act on March 27, 2020. Taxpayers will receive checks or a direct deposit to the bank account submitted with their most recent tax return.  

If your bank account has changed, First State Bank will make every effort to post any incoming payment to another account with your verified information. If you have changed banks or addresses since your last tax return, create an account on or call 1-800-829-1040 to update your information.

Find frequently asked questions HERE.



The CARES Act includes many different types of assistance for small businesses, including:

Expanded Economic Injury Disaster loans from the Small Business Administration: Businesses must show the coronavirus caused them to experience economic hardship to be eligible. The act provides more funding for these loans and makes it easier to qualify, allowing loan approval based solely on credit score with no personal guarantee required on loans of $200,000 or less. Borrowers can also get a $10,000 emergency cash advance grant, which is forgivable if the funds are spent on eligible expenses including paid leave for employees, maintaining payroll, or dealing with added costs due to the supply chain being disrupted.

The SBA Paycheck Protection Program: The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses. Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards. Businesses with no more than 500 employees can qualify for loans of up to 250% of average monthly expenditures and salary costs up to a maximum of $10 million. A portion of these loans may be forgiven if employers keep their average payroll expenses at 75% or more of their expenses from the prior year. The interest rate is also capped at 4% and no personal guarantee or collateral is required to qualify. 

More information on the Paycheck Protection Program can be found HERE.

If you have questions please call your Loan Officer  or 479-498-2400.