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Locations & ATMS

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3 months to 5 years
Open With... $250 $75 $1,000
Earns Interest plus plus plus
Minimum Balance Requirements learn more None $1,000
Monthly Fee learn more None None
Requirements to Open None learn more* None
Free Online Banking plus plus plus
Free Electronic Statements plus plus
Free Monthly Withdrawals Two FREE per month* Two FREE per month* learn more

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


Savings Account

Put your money to work for you! Our Savings Account is the easy way to save with confidence.

  • Earn interest on your account balance
  • Interest compounds and is paid quarterly
  • Up to six preauthorized transfers per month
  • Get two free withdrawals per month ($1 fee per each additional withdrawal)
  • Open with $250 or less for customers with existing account relationship
  • With $200 minimum balance, you avoid a $3 monthly service charge


Next Generation Savings

Learning to save is an important lesson for children of all ages! Start here with this great beginner account.

  • Available to children under 18 yrs.
  • Two free withdrawals per month ($1 fee per each additional withdrawal)
  • Earn interest on your account balance
  • Interest compounds and is paid quarterly
  • No monthly service charge or minimum balance requirement
  • Open with $75
  • Limit one account per child


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).
  • 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.

IRA Accounts

Save for your future now! IRAs are available in either a Certificate of Deposit or an easy monthly savings plan. Earn interest and appreciate the tax benefits of an IRA. Choose a Traditional IRA with possible tax-deductible contributions*, or a Roth IRA which accumulates earnings tax-free. Learn more by visiting any of our convenient locations or call (636) 940-5555. FDIC Insured.

*Dependent on the taxpayer’s income, tax-filing status, and coverage by an employer-sponsored retirement plan.

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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.

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