Stillwater is a great place to live and work. “The Birthplace of Minnesota” has it all, from charming neighborhoods to the bustling historic downtown. Enjoy a relaxing walk by the river or take your family out for a first-class dinner. You get all the benefits of small-town life, with all the convenience of having the Twin Cities close by.
Having such a desirable city means more attention from the outside world – including from big national banks that are interested in new clients. These financial institutions offer flashy products and services that let you save and grow your money. However, because of their impersonal style, some mega banks have lost the trust of many Americans. Instead, consumers are choosing community banks to fulfill their financial needs.
What are the benefits for Stillwater and surrounding residents of choosing a local bank? Can these institutions match up to the huge national brands? At First State Bank and Trust we believe the answer is yes - here’s why:
Benefits of Local Banks
A community bank may not have a branch everywhere you travel or ATMs on every corner, but we offer a few major advantages over the national competition. At FSBT, we pride ourselves on low employee turnover, familiar faces, and giving you the personal attention that matters most. Instead of being treated like just another line on a spreadsheet, our clients can expect to build a long-lasting relationship with one of our trusted bankers. You’ll deal with professionals who live in and know the community, and who offer personalized advice based on what they think is best for your financial health. If trust is lacking with the big national banks, community banks are all about creating relationships built on trust.
Why We're Right For You
Here in the St. Croix Valley, it’s important to have a banking partner who knows you and knows the area. When events in your life mean it’s time to make major financial decisions, we work closely with you to make a long-term plan that fits your unique situation. It’s about more than money – it’s about your individual hopes for the future and your place in the community.
At FSBT, we offer banking products and services that are easy to use and right for your needs, from savings accounts that help you grow your money to loans that let you achieve more. And if you own a small business in Stillwater, we also offer a full suite of tools to help your business succeed, from deposit accounts to cash management and beyond.
Here are just a few of the personal banking options we offer at First State Bank and Trust:
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Customized Checking AccountsPick the checking account that fits your lifestyle. We offer accounts for digitally-savvy customers, accounts that pay interest, and accounts designed for seniors. Certain accounts also include free checks and safe deposit box access.
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Savings AccountsYour money could be working harder for you. We offer a variety of savings accounts to help you grow for the future, from Money Market accounts with tiered interest rates depending on how much you save to reliable Certificates of Deposit.
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Free Online BankingManage your money with easy-to-use digital tools, 24/7 access and from anywhere you travel. You can transfer funds between accounts, review past transactions, and even set activity alerts. And it’s all free to use when you open a checking or savings account at FSBT.
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Health Savings AccountsA tax-free way to save money on your medical expenses. With a convenient HSA debit card, you can pay your provider with a simple swipe. You can even earn interest on your money and roll over your unused balance to future years.
Community Commitment
While the financial resources of an organization help a community grow, we believe employees give a community its spark, vitality, and heart. We encourage a culture of caring and commitment through community outreach and development. That’s why everywhere you turn in the valley, you’ll see us serving local nonprofits whose mission is to serve the needs of the St. Croix Valley.
The FSBT Edge
First State Bank and Trust empowers our clients to save, grow their money responsibly, and plan for an exciting future. With our step-by-step financial roadmaps, we can help you achieve your goals. Are you ready to learn more? Contact us or visit a branch location near you
to speak with a member of our team. We will be happy to hear more about your financial situation, and to help guide you on the path to success.
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