Find us on Facebook.   LinkedIn   YouTube
side top corners

Locations & ATMS

Call anytime to speak with us!


Find a No-Fee ATM Near You!


Or download the ATM Locator App:
App for iPhoneApp for Android

side bottom corners
Open With... $250 $250 $1,000 $1,000
Earns Interest   plus plus Earns higher rate
of interest on
balances than regular
Money Market
Free Online Banking and Electronic Statements plus plus plus plus
Monthly Fee learn more* learn more* learn more learn more
Online Bill Pay Available ($11.95/mo) plus plus    
Special Requirements to Open None learn more None learn more
Withdrawal Limits Unlimited Unlimited learn more learn more

* restrictions or additional fees may apply. See account details or contact First State Bank of St. Charles for more information.

Business Checking

This checking account may be free! We'll monitor your account activity to determine if you're maintaining enough in balances to cover transaction costs associated with your account.

You get the following benefits from Non-Interest Checking:
  • Unlimited check-writing
  • Customized checks available
  • Deposit bags available
  • Open with $250.00
Service Charges:
  • Deposits/credits $0.35
  • Each check deposited $0.10
  • Checks & other debits $0.15
  • Monthly service fee $10*

Service charges are calculated monthly based on average collected balance, number of checks deposited, number of total deposits, and number of checks written against your account. You can reduce, or eliminate, service charges to your account with monthly credit allowances based on average collected balance less a 15% reserve requirement. Multiple account relationships for businesses can be combined for analysis, at customer request, and may lower your fees.

NOW Account

Put your money to work for you! The NOW Account is the perfect way to generate earnings on funds and help manage day-to-day operating expenses. Available to some businesses: i.e., sole proprietors or husband and wife companies. (Not allowed by law for corporations or partnerships.) For maximum benefits in a checking account, with interest, ask for the NOW Account.

Enjoy all the advantages of these select features!
  • Earn interest on your account balance
  • Unlimited check-writing privileges
  • Open with $250.00
  • Customized checks available
  • Interest compounds and is paid monthly
  • No monthly minimum balance requirements
Service Charges:
  • Deposits/credits $0.35
  • Each check deposited $0.10
  • Checks & other debits $0.15
  • Monthly service fee $10*

* Ask your customer service representative how you can reduce your monthly service fee.

Business Money Market Account

If you keep higher balances in your checking account, you may want to put these funds to work earning interest for your business.

  • No monthly fee for balances over $1,000
  • Unlimited in-bank withdrawals
  • Interest is compounded and paid monthly
  • Open with $1,000
  • Preauthorized withdrawals, transfers, and third-party checks limited to six per month.

Corporate Money Market Plus

You can maximize your earnings with this high-interest money market account. With a balance of $10,000 or greater, you avoid a $10 monthly fee. Businesses who qualify for this account must:

  • Have an operating deposit account at First State Bank
  • Be enrolled in business online banking and elect to receive e-statements
  • Preauthorized withdrawals, transfers, and third-party checks limited to six per month.
bottom corners

Click to hear what our customers are saying about us


Member FDIC
Equal Opportunity Lender

To report a lost or stolen Debit or ATM card during normal banking hours, please call 636-940-5555. If it is after hours, call 800-554-8969 and then call the bank on the following business day to order a replacement card.

NOTICE: First State Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the websites that have links here. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. You should be advised that the First State Bank privacy policies do not apply to the linked websites and that a viewer should consult the privacy disclosure on the site for further information.