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First State Bank in Waynesboro, MS

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Waynesboro, MS First State Bank at 708 Azalea Dr provides accessible banking services in this Pike County community.

Data compiled from public sources

First State Bank Review

First State Bank operates a branch location at 708 Azalea Dr in Waynesboro, MS, serving residents of this Pike County community. As a standalone bank branch, the facility is designed to provide convenient access to banking services without being located within another retail establishment.

This Waynesboro location offers core banking services including deposits, withdrawals, and account management. While a phone number is not publicly listed for this specific branch, customers can visit in person during standard business hours or contact the main bank line for branch-specific inquiries.

For Waynesboro residents banking at 708 Azalea Dr, this branch serves routine deposit and withdrawal needs in a straightforward setting. Bring a valid ID for any account work, and check standard banking hours before visiting. The location is convenient for MS locals on the south side of Waynesboro.

Services & Features

Account services and management
Commercial loans for business growth
Debit and credit cards with lost/stolen card support
Direct deposit services
FSB Early Pay - early direct deposit access up to 2 days ahead
Loan department services
Mobile banking help center with FAQs
Mobile banking via text, mobile web, and mobile app
Online banking with user ID login and enrollment
Personal checking and savings accounts
Personal loans
eStatement online access

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FSB Early Pay feature allows customers to access direct deposits up to 2 days earlier
  • Multi-channel mobile banking options including text, mobile web, and mobile app formats
  • Commercial loan services specifically designed to help businesses grow and expand
  • Online banking enrollment available with password recovery and account management features
  • Comprehensive contact center with dedicated departments for loans, account services, and compliance
  • eStatement online access for paperless account management
  • Lost or stolen card support with phone lines for immediate assistance

Cons

  • Customer service representatives available only Monday-Friday, 8:00 am - 5:00 pm, limiting weekend/evening support access
  • Website shows 'Coming Soon' for new online and mobile banking experience, indicating current platform may have limited features
  • No specific information about interest rates, fees, or competitive pricing terms visible on website
  • Limited transparency about specific loan products, amounts, or qualification requirements for personal and commercial loans
  • Website design appears basic and does not prominently feature account opening options or product comparisons

State Consumer Finance Context

This is state-level context for Banks consumers in Waynesboro, MS. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Mississippi Department of Banking and Consumer Finance

Key state rules to check

  • Payday loans capped at $500 per lender with a maximum fee of $21.95 per $100.
  • Borrowers may have up to $500 from any single lender but there is no statewide cap on multiple lenders.
  • The Check Cashers Act governs payday lending with licensing requirements.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 12 services including Online banking with user ID login and enrollment, Mobile banking via text, mobile web, and mobile app, FSB Early Pay - early direct deposit access up to 2 days ahead, Personal checking and savings accounts, Commercial loans for business growth, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Small business owners seeking personal relationship-based commercial lending and business growth support, Employees of companies offering direct deposit who want to access paychecks 2 days early, Customers in the bank's service area preferring established community banks over digital-only alternatives, People seeking traditional full-service banking with in-person support alongside digital options.

What are the strengths and weaknesses of First State Bank?

Key strengths: FSB Early Pay feature allows customers to access direct deposits up to 2 days earlier; Multi-channel mobile banking options including text, mobile web, and mobile app formats; Commercial loan services specifically designed to help businesses grow and expand. Areas to consider: Customer service representatives available only Monday-Friday, 8:00 am - 5:00 pm, limiting weekend/evening support access; Website shows 'Coming Soon' for new online and mobile banking experience, indicating current platform may have limited features.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include Amory First Savings and Loan Bank, Ssb, Bank of Anguilla, Bank of Commerce. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1934
Headquarters
Waynesboro, MS
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #15663
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for established customers in their service area seeking traditional community banking with personalized service and the added convenience of early direct deposit through FSB Early Pay. The main caveat is limited after-hours customer support (Monday-Friday, 8:00 am - 5:00 pm only) and a website indicating their digital banking platforms are still being upgraded, so technology-first customers may find more advanced features elsewhere.

Profile Signals

  • Small business owners seeking personal relationship-based commercial lending and business growth support
  • Employees of companies offering direct deposit who want to access paychecks 2 days early
  • Customers in the bank's service area preferring established community banks over digital-only alternatives
  • People seeking traditional full-service banking with in-person support alongside digital options
Updated 2026-05-08

Similar Companies

Amory First Savings and Loan Bank, Ssb logo

Amory First Savings and Loan Bank, Ssb

Community bank in Amory, MS offering mortgages, construction loans, savings accounts, and unsecured loans with in-house loan servicing and local decision-making.

BBB: NR

Profile signals: Long-term Monroe County, Mississippi residents seeking relationship-based banking and personalized mortgage services, Homebuyers and homeowners wanting fixed-rate mortgages with local in-house servicing and transparency throughout the process

Bank of Anguilla logo

Bank of Anguilla

Community bank serving the South Delta since 1904, offering checking, savings, loans, and deposit products with FDIC insurance and a focus on personal relationships.

BBB: NR

Profile signals: Agricultural businesses and farmers needing listed crop, equipment, and land improvement financing, Individuals and families in the South Delta region seeking relationship-based community banking

Bank of Commerce logo

Bank of Commerce

Bank of Commerce is a Mississippi-based bank offering personal checking and savings accounts with FDIC insurance, online banking, and local branch support.

BBB: NR

Profile signals: Mississippi residents seeking local community banking with in-person relationships, Customers prioritizing FDIC-insured savings and checking with local branch access

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Waynesboro, MS on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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