The First State Bank of Munich is excited to announce its latest product: FSBMe-Pay -- its online bill pay program. Log on to your FSBMe-Banking account today to register. FSBMe-Pay: providing convenience, savings and security and giving you more freedom to enjoy life.

The First State Bank of Munich welcomes you to your online banking site. Whether you are banking on-line, in person or on the telephone, The First State Bank of Munich is committed to providing the best banking experience possible. This commitment to excellence is evidenced by the long-standing relationships FSBM has with its customers in northeastern North Dakota. It is a privilege to have gained the confidence and loyalty of our customers over the years and look forward to being your first choice for all of your banking needs.

The First State Bank of Munich operates under the highest standards in the industry, earning a five-star rating by Bauer Financial; a rating we are proud to acknowledge. FSBM is one of the few locally owned and operated banks in the area, bringing our customers hometown service wherever life's journeys take them. With FSBMe-Banking, there is never a reason to leave the security of your hometown bank behind -- we'll never be farther than a click away.

We invite you to explore the convenience of our FSBMe-Banking site; where you can securely manage your finances with real time account information. 

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

 For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.