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We design our business bank accounts based on what we value most: your needs and our relationship with you.

Employee-owned. People first.

As an ESOP company, First State Bank of St. Charles is committed to customer service excellence. For us, putting people first means going above and beyond to help grow your business. Whether you want to expand your operations with a commercial real estate loan. Reduce fraud with services like Positive Pay. Or streamline your finances with better cash management. If it’s on your list, it’s on ours.

ACH/Positive Pay

Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to stop fraud in its tracks.

Real Estate Business Loans

Finance your commercial real estate project with the people’s choice for best commercial lender and best local bank.

More products and services we think you’ll like.

Access your business bank accounts online or on the go with our mobile banking app.

Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.

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

Financial literacy resources at your fingertips.

7 Tips to Prevent Tax ID Fraud

As Americans begin the process of filing tax returns, identity…

Financial Education

Power saving tips, financial planning, maximizing credit card perks, and more.

Tools & Resources

Security news, annual reports, credit card interest calculators—it’s all right here.