Earn interest and checking account bonus rewards.
Get perks plus no monthly minimum and low fees.
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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.
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.
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.
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.
Cash management tools, plus credits to offset fees.
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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.
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.
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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.
Enjoy easy access to your checking, savings, or money market account and all the other conveniences of a Visa® debit card.
Upon request, we offer a temporary debit card for immediate access to your account funds until your permanent card arrives in 7-10 business days.
It’s easy to add your debit or credit card to your digital wallet. For detailed instructions, Apple users visit Apple Wallet,® and Android users visit Google Wallet.®
Please report a lost or stolen debit card to the bank as soon as possible.
During normal business hours, call 636-940-5555.
After regular business hours, call our Debit Card Hotline at 1-800-472-3272.
Debit card fraud alerts are an important way to keep you aware of any suspicious transaction activity in your account. You’re automatically enrolled when you order a debit card.
Should we detect suspicious activity, we’ll send a message to your mobile number. Customers with landline phone numbers will receive a voice message alert. To update your mobile or landline number, contact us at 636-940-5555.
Texts from this service will appear on your mobile device from 877-253-8962 and begin with “FreeMSG 1st State Bk St Charles Fraud Center.” If you receive a text, please confirm the transaction and reply with “yes.” If you did not authorize the transaction, reply with “no.”
Please note: First State Bank of St. Charles will never contact you via phone, text, or email to request any sensitive personal information such as your Digital Banking password or PIN.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Frequently Asked QuestionsA few common questions, answered.
Notify First State Bank immediately by calling our Customer Care team at 636-940-5555. They’re available Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST. Your lost or stolen debit card will be suspended and a new one issued for a $6.00 fee. After regular business hours, please contact our card hotline at 1-800-472-3272.
After reaching the hotline to cancel your current card, please contact the bank on the next regular business day to order a replacement card. For more detailed information, please refer to your Customer Agreement.
Call 1-800-992-3808 to reset your PIN.
Call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST for assistance or stop by any of First State Bank’s convenient locations during regular business hours. We will be more than happy to order you a replacement Visa debit card for a $6.00 fee.
As a precaution, you should always store your Visa debit card in your wallet or a protective case to protect the magnetic strip and keep it from being marred or damaged.
You can reduce your risk of fraud by not giving out your card information and by regularly checking your account activity online. If you suspect fraudulent activity on your Visa debit card, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST.
If you suspect fraudulent activity on your Visa debit card, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST. After regular business hours or on a holiday, please call our card hotline at 1-800-472-3272, then call the bank on the next regular business day to order a replacement card.
If you have plans to travel outside the country, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST before your trip to ensure your Visa debit card will work properly during your travels.
Yes, as long as you and the other person complete the application process and are approved for debit cards. To begin the application process, call our Customer Care team at 636-940-5555. They’re available Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST.
1Visa® Zero Fraud Liability Protection provides coverage for unauthorized transactions. Visa Zero Fraud Liability Protection does not apply to ATM transactions or PIN transactions not processed by Visa. Consult your Visa Cardholder Agreement or contact Visa for specific details.
2The number of ATMs available in the MoneyPass network is subject to change.
Copyright ©2025. All rights reserved. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
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.
