Business owner enjoying his First State Bank business checking account with cash management solutions
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We design our business bank accounts based on what we value most: our relationship with you.

Mortgage Calculators

Employee-owned. People first.

As an ESOP company, First State Bank of St. Charles is committed to customer service excellence. For us, putting people first means going above and beyond to help grow your business. Whether you want to expand your operations with a commercial real estate loan. Reduce fraud with services like Positive Pay. Or streamline your finances with better cash management. If it’s on your list, it’s on ours.

Business owner having piece of mind because she uses Positive Pay fraud protection at First State Bank

Positive Pay

Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.

Business owner enjoying a business loan from First State Bank

Real Estate Business Loans

Finance your commercial real estate project with the people’s choice for “best commercial bank” and “best bank.”

More products and services we think you’ll like.

Access your business bank accounts online or on the go with our mobile banking app.

Business customer managing their account using digital banking at First State Bank
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Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.
Mother enjoying her savings and money market accounts from First State Bank while gardening with her daughter

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

Financial literacy resources at your fingertips.

7 Tips to Prevent Tax ID Fraud

As Americans begin the process of filing tax returns, identity…
First State Bank banking team member providing financial education

Financial Education

Power saving tips, financial planning, maximizing credit card perks, and more.
First State Bank's resource center

Tools & Resources

Security news, annual reports, credit card interest calculators—it’s all right here.

    Disclosures

    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.