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.


We’re committed to community support, and you contribute too. Every deposit you make benefits the local economy where you live and work.
As a community bank, we make it our mission to help improve quality of life for those who live and work in the communities we serve. Our company-wide annual initiatives include:
First State Bank of St. Charles contributes to the programs that help lay the groundwork for affordable housing and creates opportunities for small businesses to grow in our culturally dynamic communities.
As part of our philanthropic efforts, we donate significant monetary gifts each year to make a difference for dozens of community organizations.
Our employees volunteer thousands of hours at local organizations and make both individual and in-kind donations.
First State Bank of St. Charles offers support to customers, families, and caregivers affected by dementia or Alzheimer’s disease through our innovative Dementia-Friendly Banking Program.
We believe there’s an upside for banks that actively embrace diversity and consistently demonstrate their commitment to community: They gain a sustainable competitive advantage.
At First State Bank of St. Charles, we proactively seek diverse suppliers, including the broadest range of people, ideas, products, and services possible. Through our Vendor Diversity Program, we do everything we can to ensure that diversity-owned businesses are afforded equal opportunity to participate in our procurement processes.
To qualify for our Vendor Diversity Program, a business must be at least 51% owned, controlled, and managed by a minority or woman. We encourage prospective suppliers to contact us for details.
Call: (636) 940-5555
Toll-free: 1 (888) 287-2175
Email: bank@fsbfinancial.com