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Customer using digital banking at Frist State Bank

Digital Banking

Deposit checks. Pay bills. Bank online or on the go. Keep financial control in the palm of your hand.

Online & Mobile Banking

Manage your finances online or on the go 24/7. Bank online or download our mobile banking app for the same exceptional service you get at any of our local bank branches.

  • Get My Spending, a powerful tool that provides insight into your personal spending habits. (Raise your hand if you forgot to cancel a subscription.)
  • Send and receive money1 with Zelle®
  • Pay bills and make loan payments
  • Review your credit score and take control of your financial future with My Credit Score
  • Receive transaction alerts and reminders, including debit card controls
  • Deposit checks using your mobile device2

E-statements

Less clutter for you. More eco-friendly for the planet. And the benefits of e-statements don’t end there.

Digital Wallet

Store payment details from a debit card or credit card in one convenient place. Make purchases online or on the go.

My Credit Score

Know your credit score, build your credit history, and protect your credit.

Zelle®

Send and receive money the fast, safe, and easy way with Zelle®.

Frequently Asked Questions

For curious types.

First State Bank account holders must go to Digital Banking and click “Enroll” in order to access their banking accounts online and with the First State Bank of St. Charles mobile app.
Get started by first enrolling in online bill payment within Digital Banking. Then, you’ll need to sign up as a new Zelle® user for access. Visit Zelle® Getting Started for instructions.

From the mobile app:

  1. Click “Move Money”
  2. Click “Send Money with Zelle®”
  3. Click “Send”
  4. Choose a recipient and click “Continue”
  5. Click “Limits?” under $0
  6. Your remaining limit will display

From your desktop computer:

  1. Log in to Digital Banking
  2. Click “Move Money | Zelle®”
  3. Click “Send Money with Zelle®”
  4. Click “Send”
  5. Choose a recipient and click “Continue”
  6. Click “Limits?” under $0

Your remaining limit will display

To sign-up for e-statements, follow these steps:
  1. Log into Digital Banking
  2. Click the “Services and Settings” icon .
  3. Under Preferences click “View Statements.”
  4. Click “Electronic Only Statement Delivery.”
  5. Review the terms of agreement and click “Accept” or “Accept and Print.”
  6. Enter your email address associated with your account and click “Submit for this Account” or “Submit for all Accounts.”

Real-time account activity, security, and messaging alerts can me set up in a few steps to help you easily manage your account.

Yes! Sending a message through our digital banking platform is simple. Watch the video below to learn how.

Changing your passcode on a regular basis is important for account security. Follow the process explained in the tutorial.

Traveling woman on couch holding hat

Checking Accounts

Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.

Fraud Prevention

Thwart check fraud by understanding how it happens and preventing it from happening to you. Scan our security page for tips to avoid the latest scams.

Everyday savings made simple, along with money market and health savings accounts for specific needs. 

Mother enjoying her savings and money market accounts from First State Bank while gardening with her daughter
First State Bank banking team member providing financial education

Boost your money management skills, security awareness and basic financial literacy. Learn from a leader in financial education with our free resources.
First State Bank mortgage customers closing their home loan

Take out a mortgage with a community bank that cares about you and your needs and has the lending power to offer mortgages in all 50 states.
United States pennies on teller counter at Frist State Bank.

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Tools & Resources

Security news, annual reports, credit card interest calculators—it’s all right here.
Mother enjoying her savings and money market accounts from First State Bank while gardening with her daughter

Savings Account Interest Rates

Check our latest rates to see just how much you can save.

    Disclosures

    All products and services are subject to approval, including credit approval.

    1 U.S. checking or savings account is required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

    2 A daily deposit limit of $2,500 applies to mobile deposits. Checks deposited prior to 4:00 pm CST will generally be available the same business day. However, longer delays may apply. A Notice of Delayed Availability is sent if funds from your check are delayed.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Intuit, QuickBooks, and Quicken are trademarks of Intuit Inc. Data charges may apply. Check with your mobile phone carrier for details.

    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.