Business Savings & Investment Accounts

Beneficial Ownership

FinCEN Beneficial Ownership Ruling

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636-940-5555

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Savings Options Tailored For Your Business

Whether you’re just starting out or are well-established, First State Bank has savings options to grow your business. Call 636.940.5555 for today’s rates.

Limited Time Offer

First State Bank Money Market Special 6-Month Guaranteed Rate

	Corporate Savings	Certificates of Deposit (CD)	Business Money Market
Benefits	An interest-bearing savings account with multiple features and benefits¹	Competitive rates, on a variety of CD terms from 3 months to 2 years²	Make the most of your money & grow your business savings
Open with	$100	$1,000	$1,000
Monthly service charge	$0 ($4 if balance falls below $300)	None	$0 ($10 / month if if balance falls below $1,000)³
Monthly statement charge	$0 for e-statements, $2 for paper statements⁴	None	$0 for e-statements, $2 for paper statements⁴
Earns interest¹
Digital banking

Our business savings and investment accounts help businesses and organizations set aside money for future use, much like a personal savings account.

Corporate Savings

This basic savings account for small businesses offers easy access and earns competitive market interest rates².

Earn interest² that compounds and is paid quarterly
Minimum deposit to open: $100
No monthly fees for balances over $300 ($4 per month fee if minimum monthly balance is less than $300)
Make up to 6 scheduled in advance withdrawals, checks & debits per month (First 2 withdrawals are $0; after that $1 per withdrawal)
Digital banking tools & electronic statements

Certificate of Deposit (CD)

Want to invest in a secure deposit account? First State Bank offers competitive rates¹ on a variety of CD terms from 3 months to 2 years. Call 636.940.5555 to hear our up-to-the-minute rates¹.

You will have 10 calendar days after the CD maturity date 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 & interest transfers to a First State Bank deposit account are available

Business Money Market Account

Make the most of your money & grow your business savings.

Earn interest² that compounds and is paid monthly
Minimum deposit to open: $1,000
No monthly fees for balances over $1,000; unlimited in-bank withdrawals⁴; make up to 6 scheduled in advance checks, and debits per month
Business debit card
Digital banking tools & electronic statements

Opening a business savings or investment account is simple.

Visit a banking center

Make an appointment

Health Savings Accounts (HSA)

Do you offer high-deductible health savings plans to your employees? Check out our HSA accounts.

¹ The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum deposits and balances are required to earn APY and is subject to change at any time. A penalty may be imposed for early withdrawal.

² Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Fees may reduce earnings. Call 636.940.555 for current interest rates and APY. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for the deposit of non-cash items.

³ Service charges based on the lowest monthly balance.

⁴ Withdraw funds from your account in person at the bank.

⁵ To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of January 30, 2023, and subject to change at any time. Six months after opening the account, the annual percentage yield (APY) is subject to change at any time. Interest paid on full account balance. Required minimum balance to avoid $10 monthly service charge is $1,000.