Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Security Reminder: First State Bank will never contact you to request your account number, usernames, passwords, PIN, security code, debit or credit card number, or Social Security number through a phone call, text message, or email. If you receive a suspicious communication, contact Customer Care at 636-940-5555.
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.
Keep it simple with this low-cost checking account.
Build money management skills and bank smart.
Build your balance with no overdraft fees holding you back.
Find the checking account that fits your life.

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 up to 26 years of age 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.

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

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



Access your business bank accounts online or on the go with our mobile banking app.
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."
Home loans serviced in-house with the one-on-one attention you deserve.
Let's make your homeownership dreams a reality.
Cut your payments, consolidate debt, and more.
Turn the equity you've earned into a flexible line of credit.
Explore programs and resources designed to make homeownership more attainable.
Discover specialized loan programs designed for a variety of homeownership needs.

Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.




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

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.

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

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

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


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

Checking designed for the way most people bank today. Whether you want a straightforward checking account or to earn interest on your balance, you get to manage your finances your way.
Earn interest on your balance while keeping your money available for everyday spending.
Monthly compounded interest. Get the full rate details.1
Looking for a low-cost, no-frills checking account with basic features and easy account maintenance requirements? You can’t go wrong with Simple Checking.
Give 16 to 26-year-old students and young adults the tools, education, and flexibility to build money management skills and bank smart—without costly overdraft fees.4
Start rebuilding your financial foundation without the stress of monthly balance requirements. Get a free debit card, direct deposit, and all the digital banking tools you need to regain financial stability with confidence while taking care of your everyday banking needs.

| Everyday Checking Accounts | Checking Built For Your Situation | |||
|---|---|---|---|---|
| Feature | Premium NOW Checking | Simple Checking | Next Generation Checking | New Start Checking |
| Best for | Best if you keep higher balances in checking | Best if you want low-cost, everyday checking | Best if you | Best if you |
| Minimum opening deposit | $100 | $100 | $25 | $25 |
| Minimum daily balance | $1,000 | $100 | None | None |
| Minimum monthly balance | $1,000 | $100 | None | None |
| Monthly service fee | $102 | $72 | $0 | $5 |
| Interest-bearing3 | Yes | |||
| Digital Banking | Yes | Yes | Yes | Yes |
| Statement fee4 | $0 for e-statements, $2 for paper | $0 for e-statements, $2 for paper | $0 for e-statements, $2 for paper | $0 for e-statements, $2 for paper |
| Next Steps | Open Account for Premium NOW Checking Learn More about Premium NOW Checking | Open Account for Simple Checking Learn More about Simple Checking | Open Account for Next Generation Checking Learn More about Simple Checking | Open Account for New Start Checking Learn More about New Start Checking |
All products and services are subject to approval.
1 Applicants under 18 must have a parent or legal guardian as a joint account owner and must be present at account opening.
2 Service fee based on lowest monthly balance.
3 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees 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 deposit of non-cash items.
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.
Zelle® is the fast and easy way to send and receive money with friends, family, and people you know.
A few common questions, answered.
The right choice depends on how you plan to use your money.
Choose Premium NOW Checking if you:
Many customers use both—keeping everyday spending money in a checking account while setting aside additional savings in a Money Market Account to earn a higher rate.
Please present one of these items for proof of identification:
Please present one of these bills for proof of address:
Identification requirements may vary depending on citizenship or residency status. Please contact your local banking center for details.
Please present one of these items for proof of identification:
In lieu of the above forms of identification, you may present one of these items along with an item containing your name and address, such as an organization membership card, voter registration card, utility bill or real estate tax bill:
Identification requirements may vary depending on citizenship or residency status. Please contact your local banking center for details.
Log in to Digital Banking. From the mobile banking app:
From your desktop computer:
It’s easy. Just go to Digital Banking and click “Enroll” to access your banking accounts online or with the First State Bank of St. Charles mobile banking app.
All products and services are subject to approval.
1 Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees 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 deposit of non-cash items.
2 Service fee based on lowest monthly balance.
3 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.
4 Applicants under 18 require a parent or legal guardian as a joint owner on the account.
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.