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Hours of Operation
St. Joseph Lobby:
Monday - Thursday
8:30 a.m. -
4:00 p.m.
Friday 8:30 a.m. -6:00 p.m.
Closed Saturday & Sunday
St. Joseph Drive Up:
Monday - Thursday
7:00 a.m. - 6:00 p.m.
Friday 7:00 a.m. - 7:00 p.m.
Saturday 8:00 a.m. - 12:00 noon
St. Stephen Lobby
Monday - Thursday 7:30 am - 4:30 pm
Friday 7:30 am - 6:00 pm
Currently no drive-up in
St. Stephen
St. Cloud Lobby
Monday - Thursday
8:30 am - 4:30 pm
Friday 8:30 am - 5:00 pm
Saturday Closed
St. Cloud Drive-up Hours
Monday - Thursday
7:30 am - 5:30 pm
Friday 7:30 am - 6:00 pm
Saturday 9:00 am Noon

Member FDIC
First State Bank
of St. Joseph
is participating in the
FDIC's Transaction Account
Guarantee program. Under
that program, through
June 30, 2010, all
non-interest bearing transaction accounts are fully guaranteed by the FDIC for
the entire amount in the account. Coverage under the Transaction Account
Guarantee Program is in addition to and separate from the coverage available
under the FDIC's general
$250,000
deposit insurance rules.

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At First
State Bank of St. Joseph, we know everyone has different financial needs.
Therefore, we have several different checking accounts available to
precisely fit your needs, both personal and for your business. Review
the list below to see which account is best for you. Remember, if you
have questions do not hesitate to contact us via email or telephone at
320-363-7721.
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It's never to early to start saving. That's why the First State
Bank has accounts for every age. These accounts are FDIC insured which keeps
your money safe and secure for future use. Don't forget to stop in, call,
or email us if you have any questions.
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Certificates are a great way to save money for the future with a better
rate of return. With several terms and rates to choose from we're sure
we'll have a certificate that will fit your needs.
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All taxpayers should have a savings plan to guarantee a financially
secure retirement. IRAs can be an important part of this savings plan
because they provide significant income for retirement and offer tax
benefits along the way.
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The First State Bank of St. Joseph has a variety of loans to fit your
financial needs. Visit our loan page to see all of the loan products
available.
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If you have not signed up for Online
Bill Pay it's time you do.
Bill Pay can save you money, ensure
your payments make it to their
destination in a prompt manner and
it is safe and secure.
Take a tour of Bill Pay by clicking
on the test drive demo button above.
I think you'll like the view.
Sign up today through your
On-line Bank Account.
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