Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
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.
Lower your initial mortgage payments with a temporarily reduced rate.

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.


You'll need to gather a few essentials first. Need help? Reach out to your mortgage lender with any questions you have to help expedite the process.
We've partnered with BLEND to provide tools that let you upload documentation and check your loan status for a seamless and secure mortgage experience.
After 14 years in mortgage lending, I’ve learned that what I enjoy most is helping people make informed decisions about financing their homes. I know that every customer’s situation is different, and I believe taking the time to listen, answer questions, and explain the options can make all the difference in finding the right path forward.
Whether you’re buying your first home, moving into your next one, or refinancing, I’m here to help make the process as straightforward as possible. From our first conversation through closing, I’ll walk you through each step, help you understand your financing options, and work with you to find a mortgage that fits your needs and long-term goals. I want my customers to feel comfortable asking questions and confident that they understand the decisions they’re making along the way.
My commitment to customer service has earned me Top Producer recognition every year since 2020, including 2026. I also hold a Bachelor of Science in Business Administration from Missouri State University, which gave me a strong foundation for my career in mortgage lending.
Being involved in my community is another important part of my life. I serve as President of the Connect Pros Business Group and Vice President of Copper Mill Estates. I’m also active with Connect Church, where I enjoy opportunities to build relationships and give back.
Originally from St. Paul, Minnesota, I love spending time with my family, especially cheering on my children at their gymnastics meets, basketball games, and softball games. When I’m not on the sidelines, you might find me out on the golf course or enjoying my interest in photography.
I’d love the opportunity to get to know you, learn what you’re working toward, and help you take the next step.
If helping people is beneath you, then leadership is beyond you.
Jon Brown
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.