Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Checking with perks or just the basics.
Earn interest and checking account bonus rewards.
Get perks plus no monthly minimum and low fees.
Keep it simple with this low-cost checking account.
Build your balance with no overdraft fees holding you back.
Find the checking account that fits your life.
Enjoy the added benefits of a top-tier account.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Put your financial wellness first with options from basic to health savings accounts.
Open our basic savings account if you want low (or no) fees.
Give family members under 18 a savings account head start.
Step up your savings with a high-yield money market account.
Got a high-deductible health plan? You're eligible for an HSA.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Auto loans to credit builder loans–borrow with confidence from your local bank.
Buy a new car, truck, or SUV, or refinance an auto loan.
Finance your adventures on open waters or the open road.
Get behind the wheel of your dream RV at a great rate.
Reduce your rate and increase your borrowing power.
Get the rate and flexible terms. No collateral needed.
Build or rebuild your credit history and your credit score.
Bank online or on the go—free e-statements and digital wallet included.
Manage your finances whenever, wherever.
Go paperless. Cut clutter and enhance security.
Go cashless with our safe, convenient virtual wallet.
Check your credit score and protect your credit.
Send and receive money the fast, safe, and easy way.
Send and receive wire transfers safely and securely.
Low fees and minimums, high degrees of automated banking.
Cash management tools, plus credits to offset fees.
Easy interest and operating expense management.
For small to mid-size businesses with low volumes.
Find the account that helps grow your business.
The documents you'll need for your type of business.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Start-up funds, working capital or financing for expansion, serviced in house.
Owner-occupied or investment, fixed or variable rates.
Flexible terms with fixed or variable rates.
Flexible terms with amortizations coordinated to the equipment's useful life.
Provides working capital for growing businesses.
Longer terms and low fixed rates for Missouri-based businesses.
Long-term, fixed-asset loans for land, building, and/or equipment.
Experts to help customize your loan for your unique needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Checking with perks or just the basics.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Put your financial wellness first with options from basic to health savings accounts.
Invest in your future with a safe, secure CD or IRA. Lock it in and let it grow.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Auto loans to credit builder loans–borrow with confidence from your local bank.
Rewards, cash back, cash-secured—find what you want in a credit card right here.
Grab cash or pay with a swipe or tap from your checking or savings account.
Bank online or on the go—free e-statements and digital wallet included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Power save with our limited-time money market and CD special offers.
Low fees and minimums, high degrees of automated banking.
Make your funds work harder to meet your short-term needs.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Cash back, rewards—and more of what you want in a business credit card.
Grab cash or cover everyday expenses, everywhere Visa® is accepted.
Experience the latest point-of-sale system with Clover from Fiserv.
Start-up funds, working capital or financing for expansion, serviced in house.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Bank anywhere—all the essential money management tools included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Power save with our limited-time money market and CD special offers.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Partner with our expert business lenders for a personalized experience.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Home loans serviced in-house with the one-on-one attention you deserve.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Take an expert guide on your homeownership journey.
Calculators and an in-depth glossary to keep you informed.
Ready to make an offer? So are we. See what's new.
Find a banking or mortgage center near you.
Email, call, or pay us a visit. We'd love to see you.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Take a trip down memory lane all the way back to 1867.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Learn about our commitment to community support.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Pursue a career with purpose, possibility, and people who care.
At First State Bank of St. Charles, our story isn’t just about how long we’ve been here–it’s about why we’ve stayed. Since 1867, we’ve believed in the power of doing right by people and reinvesting in our community.
We’re more than a bank–we’re your neighbor and financial advocate. And as the world keeps changing, our commitment to showing up, listening closely, and guiding customers with care and expertise remains as strong as ever.
Our team takes the time to get to know you and your goals–and works hard to help you reach them.
Whether you prefer banking online, on your phone, or face-to-face, we make it easy.
From saving and borrowing to planning and investing, we’re here with clear advice you can count on.
We invest in our communities through outreach, education, and programs that make banking more inclusive–like our dementia- and aging-friendly banking program, which ensures every customer is met with dignity and understanding.
Trust: Your Confidence, Our Commitment
Trust isn’t a given. It’s earned—every day, in every interaction. We don’t just hold your money. We hold your confidence. That means honest conversations, clear guidance, and decisions that put your best interests first. When we say we’re here for you, we mean it.
Integrity: Built on Principles, Not Shortcuts
We don’t chase trends, cut corners, or make promises we can’t keep. Our word is our bond, and our handshake still means something. At our core, integrity is about being accountable to you, our team, and the community we serve—because doing right by people is the only way we do business.
Community: Investing in the Places We Call Home
This isn’t just where we do business—it’s where we live, where our kids go to school, and where we invest our time and resources. With deep roots in the communities we serve, we’re committed to helping local businesses grow and supporting families at every stage of life. Banking should feel personal because it is, and we’re here to grow alongside the communities we call home.
President & CEO
Executive Vice President & COO
Executive Vice President, Technology
Executive Vice President, Mortgage Lending
Executive Vice President, First State Wealth Advisors, Program Manager, LPL Financial Advisor
Executive Vice President, Commercial Lending
First State Bank of St. Charles is customer service excellence in action, and we’re proud to have earned the accolades to prove it.
Missouri’s Best 2024 Winner, Missouri Magazine
(2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021) – St. Louis Small Business Monthly
(2010, 2011, 2013, 2015, 2016, 2017, 2018) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
(2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
(2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
Jack Heck Award (2017)
City of St. Charles
First State Mortgage is a division of First State Bank of St. Charles, MO. NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.