Welcome to First State Bank ~ There is a Difference ~ Inquire about our FREE Checking ~ Now Open --- First State Bank in Cottonwood & Payson ~ Can’t get to the bank? Inquire about Remote Capture depositing ~ Enjoy a cup of our Banker’s Blend coffee, roasted and brewed exclusively for First State Bank ~ We are proud to support our community with Flagstaff’s only non-profit interest bearing checking account ~