Savings
Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.
SEVERE WEATHER UPDATE: To ensure your safety, all St. Louis area banking centers will be closed on Saturday, November 29. For assistance, please contact our Customer Care team at 636-940-5555 Monday–Friday, 8:30 a.m.–5 p.m., and Saturday, 9 a.m.–12 p.m. CST. You can also access your accounts anytime via Digital Banking or our mobile app. Stay safe and warm!
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.
















Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.




Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.
















Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.



Mortgage Credit Builder Loan Program

Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


Perfect for anyone on your list. Need an option for secure shopping, staying on budget, or direct deposit payroll? Try a reloadable card.
Our gift cards and reloadable cards are convenient, reliable, multipurpose and available for pick-up at any First State Bank of St. Charles banking center.
Choose from a variety of card designs preloaded in any amount from $10 to $1,000.
Receive direct deposits on a special card with full ATM, PIN, credit, and debit card capabilities—just like a debit or check card.3
1Cards are issued by Pathward,® N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Mastercard prepaid cards may be used everywhere Debit Mastercard is accepted in the U.S. No ATM or cash access.
2Ask a bank representative about customizable bulk gift card orders. A fee of $6.00 applies to each card purchase. Gift cards are not reloadable.
3A fee of $6.00 applies to each card purchase and each time you reload the card. Monthly fees and some transaction fees apply. Card is valid for 3 years.