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Business owner reviewing the savings options at Frist State Bank

Savings Accounts

Set aside some of your hard-earned funds in one of our business savings accounts.

Fuel your growth with our limited-time Money Market Special.

Get a six-month guaranteed rate with every new money deposit.

Positive Pay

Protect your business with this automated service that verifies checks to minimize your exposure to check and ACH fraud.

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 having piece of mind because she uses Positive Pay fraud protection at First State Bank
Business owner enjoying a business loan from First State Bank

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

Do your investments measure up to your retirement goals? Meet with a financial advisor to help secure your financial future.

Financial literacy resources at your fingertips.

United States pennies on teller counter at Frist State Bank.

The End of the Penny: What the U.S. Treasury’s Decision Means for Consumers and Businesses

Learn why the U.S. Treasury stopped making pennies, how much it costs…
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

    1 The Annual Percentage Yield (APY) may change at any time, at our discretion. Charges may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for the deposit of non-cash items.

    2 The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum deposits and balances are required to earn APY and is subject to change at any time. A penalty may be imposed for early withdrawal.

    3 Service charges based on the lowest monthly balance.

    4 The paper statement charge is $2 per month. For free paperless statements (e-statements), you must activate Digital Banking and sign up for e-statements.

    5 Withdraw of funds from your account in person at the bank.

    6 To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of January 30, 2023, and subject to change at any time. Six months after opening the account, the annual percentage yield (APY) is subject to change at any time. Interest paid on full account balance. Required minimum balance to avoid $10 monthly service charge is $1,000.

    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.