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Renee Vogelgesang Joins First State Bank

First State Bank of St. Charles is proud to announce the addition of Renee Vogelgesang to their team as a Business Development Officer.

Vogelgesang brings over 12 years of experience in the banking industry.  Vogelgesang came from Regions Bank, where she worked as a Business Banker.

At First State Bank, her major duties as Business Development Officer are to handle the needs of current business customers and to find new growth opportunities in the community.

Vogelgesang is a member of the Harvester Kiwanis Club and the Medical Group Managers Association (MGMA) of St. Louis.  She has her Bachelors of Science from Lindenwood University, and is a current resident of Old Monroe.

First State Bank Announces $15,000 in Funding to Homebuyers

A grant totaling $15,000 was recently awarded to First State Bank by Federal Home Loan Bank of Des Moines. The grant is part of FHLB Des Moines Rural Homeownership Fund (RHF) which supports homeownership opportunities for families and individuals in rural communities.

Hardworking home buyers who can make a house payment with no difficulty sometimes cannot purchase a home because they do not have the funds required for upfront costs. This program provides an opportunity for qualified individuals and families to purchase homes by receiving funds to assist with the down payment, closing cost, counseling or rehabilitation of the property.

By participating in RHF, First State Bank will be able to distribute awards of up to $1,000 to each eligible homebuyer.  “This grant allows us to help eligible buyers with a down payment, closing costs, counseling or small rehabilitation projects that can greatly assist homebuyers in their closing process,” said Brad Eimer, vice president of wholesale lending at First State Bank Mortgage.  “As a community bank, it’s important to us to be able to offer assistance to local homebuyers.”

Since the creation of RHF in 1996, 6,110 grants totaling $20.6 million dollars have been awarded to support rural housing activity in five Midwest states. “These grants provide our member financial institutions the opportunity to help community members achieve their dream of homeownership. Homeownership not only brings stability to individuals and families but also to the neighborhoods and communities where they live,” said Gary Dodge, community investment director at FHLB Des Moines.

If you are interested in purchasing a home using the Rural Homeownership Fund grant, contact one of First State Bank’s experienced mortgage lenders for details at (636) 940-LOAN or apply online by clicking here.

First State Bank Confirms Commitment to Provide No-Fee ATM Network and Free Mobile Banking

Established in 1867, First State Bank of St. Charles is committed to continuing to evolve with the changing times by offering the latest products available to banking consumers.  The bank recently rolled out its new Mobile Banking program.

“Mobile Banking allows our customers to access accounts from anywhere using a cell phone,” said marketing officer Trish Lovan.  “Customers can view account balances and recent transactions and even transfer funds and pay bills.  The program is free and appeals to a large segment of our customer base.”

Mobile Banking services can be used by any First State Bank customer with a mobile phone that is capable of receiving and sending text messages.

The bank is also pleased to offer their debit card customers a network of over 22,000 no-fee ATMs.  The bank operates its own ATM machines, but also participates in the MoneyPass network of ATMs, which allows its customers to use any ATM included within the MoneyPass network and complete transactions without any fees.  Customers can search for free ATMs in their area by using the First State Bank ATM Locator tool.

“We are working to educate our customers on our expanding network of surcharge-free ATMs,” Lovan said.  “We have hundreds of ATM locations in the St. Charles County area, and we have many more nationwide.  We are committed to remaining accessible to our customers.”

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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.

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