First State Bank of St. Charles, Missouri - Business Accounts & Services

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Maximize your earnings with our new
CORPORATE MONEY MARKET PLUS!


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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

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 withdrawls
Interest is compounded and paid monthly
Open with $1,000

Corporate Money Market Plus

You can maximize your earnings with this high-interest money market account. 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

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.

Three and Six Month Terms

Interest is credit to the account at maturity (simple interest)
Penalty for early withdrawal is three months’ loss of interest, earned or not

Twelve Month Terms

Interest is compounded daily and credited to the account semiannually
Penalty for early withdrawal is three months’ loss of interest, earned or not

Eighteen to Sixty Month Terms

Interest is compounded daily and credited to the account semiannually
Penalty for early withdrawal is six months’ loss of interest, earned or not

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).

All of our standard certificates can also be opened as an IRA (Individual Retirement Account). IRAs have the same rules as CDs, but only require $250 to open.




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