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Dementia & Aging-Friendly Banking

Partnering with clients and caregivers to foster independence, security, and financial wellness, one compassionate conversation at a time.

Facing the Challenge Together

Navigating financial matters can be daunting and stressful for people living with dementia. We’re tackling this challenge with our innovative Dementia and Aging-Friendly Banking program. Through this novel approach, we educate our banking center staff on the symptoms and stages of dementia and how to support people living with dementia and their families.

For us, it’s not just about preventing financial mismanagement and elder abuse. It’s about maintaining dignity and quality of life.

Accessible Banking Services

At First State Bank of St. Charles, we believe in making financial services accessible and understandable for all. Through visual aids, straightforward procedures, and compassionate support from our trained staff, we’re here to help alleviate the financial management burden for those living with dementia.

Dementia-Friendly Community

Collaboration is key to building a dementia-friendly community. Based in St. Charles, MO, our bank is a proud participant in local initiatives like the Bev Roy Hope Foundation, which spearheaded the city’s recognition as a dementia- and age-friendly city. Together, we’re building a network of support and education to ensure that our community remains a safe harbor for all.

Proactive Security Measures

Understanding the increasing threat of financial exploitation faced by the elderly, we’ve put robust security measures in place, including:

  • Regular monitoring of accounts for suspicious activities
  • Educating customers on common scams designed to target seniors
  • Encouraging caregivers and clients to set up spending alerts for large withdrawals or unusual transactions within digital banking
  • Educating customers on common scams targeting seniors, such as phishing emails and fraudulent phone calls

Partner with Us

At First State Bank of St. Charles, we’re here to guide you through setting up trusted contacts, understanding legal protections like a power of attorney, and ensuring your account security. Because we’re more than a bank. We’re a partner in your journey toward financial wellness and independence.

 

Learn more about our Dementia & Aging-Friendly Banking program.

Find your account to start banking with First State Bank of St. Charles.

Frequently Asked Questions

A few common questions, answered.

Financial abuse can often go unrecognized, but there are key signs to watch for.

  • Sudden changes in a person’s financial situation, such as unpaid bills or missing money
  • Signs of coercion or intimidation
  • Lack of control over financial decisions

It’s important to trust your instincts and speak up if you suspect someone is being financially abused. By staying vigilant and informed, you can help protect yourself and others from falling victim to this harmful form of abuse. If you or your loved one suspects financial abuse, please call 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 for assistance.

As we age, we can often encounter unexpected financial challenges such as fraud, a health crisis, or a partner’s or spouse’s death. Setting up a family member or close friend as a trusted contact can provide First State Bank with someone that could help in emergencies or to:

  • Help monitor your account
  • Address possible financial exploitation
  • Assist when the account holder is unreachable or incapacitated

We care about the financial well-being of you or your loved one. If you have concerns about privacy, family dynamics, maintaining your financial independence, or something else, please call 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.

First State Bank account holders can set up a guardianship, principal, or POA. There is a legal approval process based on the state where you reside. To learn more, contact a banking center manager or call 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.

Our customers can keep tabs on their debit card spending by setting up spending limit notifications that provide real-time alerts when limits are exceeded.

To report a lost or stolen debit card, please call 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. For assistance after hours, please call our Debit Card Hotline at 1-800-472-3272. After calling the hotline to cancel your current debit card, please call Customer Care the following business day to order a replacement card.

For additional questions, call 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.