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Business Savings Options

FEATURES & BENEFITS CORPORATE SAVINGS CERTIFICATE OF DEPOSIT (CD)
3 months to 5 years
Open With... $250 $1,000
Earns Interest plus plus
Free Online Banking and Electronic Statements plus plus
Online Bill Pay Available ($11.95/month) plus
Monthly Fee learn more None
Withdrawal Limits learn more* learn more

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

 

Corporate Savings

This basic savings account for small businesses offers easy access and earns competitive market interest rates.

  • Open with $250.00 (minimum deposit does not apply to individuals with whom we have an existing account relationship)
  • Pre-authorized transfers are limited to no more than six per calendar month
  • There is a $1.00 fee per withdrawal in excess of two (2) withdrawals per month.
  • Earn interest quarterly (refer to the rate sheet for current interest rate)
  • There is a $3.00 fee if minimum monthly balance is less than $200.00

 

Certificate of Deposit (CD)

Want to invest in a secure deposit account? First State Bank offers competitive rates on a variety of CD terms from 3 months to 5 years. Please call us today to hear our up-to-the-minute rates and CD “specials.”

  • All CDs can be opened with a minimum balance of $1,000.
  • You will have ten calendar days after maturity of the CD to withdraw funds or make changes without penalty (interest does not accrue in that time frame if not rolled over)
  • Monthly and quarterly interest checks or interest transfers to a First State Bank deposit account are available (preferably with CD balances of $5,000 or more).
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636-940-5555

fdic icon Member FDIC
equal opportunity lender icon Equal Opportunity Lender

First State Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts and NOW accounts earning less than .50% are fully guaranteed by the FDIC for the entire amount in the account. Effective July 1, 2010, all noninterest-bearing transaction accounts and NOW accounts earning less than .25% will be fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

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