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Updated by FSBT Bank on Jun 27, 2020
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First State Bank and Trust

Choosing the right business credit card is easier than ever.

No matter which card you choose, you'll enjoy important features like:

Award-winning expense management tools
Free employee cards
EMV smart chip technology for added security
Mobile purchasing for added convenience

Card Services › First State Bank & Trust

To report lost or stolen ATM or Debit cards, please call 1.800.535.8440.

Do You Qualify For A Small Business Credit Card?

Getting approval for a small business credit card isn’t difficult and usually doesn’t need lots of paperwork. But the big question is, how to get approval for a small business credit card.

Business Savings Account | Stillwater Minnesota Banks

Looking for Business Savings Account in Stillwater MN. Contact First State Bank and Trust and earn higher interest by committing to a longer savings term.

How to Open a Bank Account in the US?

Having a bank account in the US means you can deposit your financial aid awards, loans, and stipends—all of which are typically paid by check or through net banking.

Lost or Stolen Card › First State Bank & Trust

To report a lost or stolen First State Bank and Trust Elan credit card, contact our 24-Hour Cardmember Service at 800.558.3424.

3 Business Loans from the Government

The SBA (Small Business Administration) is the main resource for business loans from the government. New startups and established businesses can apply for SBA loans, but there are different programs for different business needs. Here are the basics about the different types of SBA loans:

Individual Retirement Accounts in Stillwater | Banks in Minnesota

An Individual Retirement Account from First State Bank can help your retirement savings grow tax-deferred. Open your Individual Retirement Account today.

Life Insurance Annuities | Stillwater Minnesota Banks

Life Insurance Annuities can provide a steady, secure source of lifelong retirement income. We provide you expertise, solid strategies, quality products, and exceptional services.

Pros and Cons of Bad Credit Loan

Credit scores are an attempt to gauge the likelihood you will repay a loan. Credit score range from 300-850. The higher the score, the more likely you will repay.

Statement of Condition › First State Bank & Trust

Cash and cash equivalents


Investment securities


Loans: Less loan loss reserve of $1,822,000

Bank premises and equipment

Pros and Cons- US Bank Personal Loans

You can use a personal loan to fund anything, from home renovation to a long vacation. You can qualify for a low-rate personal loan if you’ve got a checking account in U.S. Bank. Moreover, you must live within 50 miles of a U.S. Bank branch. Before applying for the US bank personal loan, you must have an idea about the pros and cons of personal loans.

Account Finder Wizard › First State Bank & Trust

What type of account are you looking for? Here at First State Bank and Trust, we help you to find the best account for you. Contact us today!

Bad Credit Score: How to Buy a Car with It?

Need to buy a car? Okay, you can get an auto loan to buy a car of your dreams. But for this, you must have a good credit score. What if your credit score is bad? The chances of getting approval for car loan reduces. Don’t worry! We’ve covered it for you.

Life Insurance | Bayport Bank and Trust in MN

First State Bank and Trust life insurance services help you to protect your family from major financial risks. Visit to know more!

Does A Personal Loan Affect Your Credit?

A personal loan application triggers a hard credit check that can temporarily lower your credit scores. A hard credit check is an evaluation of your credit history. This evaluation knocks off approx. five points from your FICO credit score. Overall, new credit applications account for about 10% of your credit scores. This inquiry typically stays on your credit report for two years but only affects your score the first year.

Trusts & Estates › First State Bank & Trust

Living trusts enable you to maintain control over your assets while you are living and specify exactly how those assets. Trusts can help you manage your property and assets, make sure they are distributed after your death according to your wishes, and save your family money, time and paperwork.

Can Personal Loans Be Transferred to Another Person?

If you think your personal loan can be transferred to another person, you need to reconsider it. Your personal loan can’t be transferred to another person. You get approval for your loan based on your credit score and income due to which it’s non-transferrable.

How do I Transfer a Personal Loan from One Person to Another?: firststatebank

If you think your personal loan can be transferred to another person, you need to reconsider it. Your personal loan can’t be transferred to another person. You get approval for your loan based on your credit score and income due to which it’s non-transferrable. Some types of personal loans,…

When Should You Get A Personal Loan?

You buy a car with an auto loan and home with a mortgage loan. However, a personal loan can be a good option in various circumstances. As there is no collateral with a personal loan, the interest rate is higher for it. Here are some circumstances in which personal loan can be a good option for you.

Student Loan Debt Statistics In 2019

According to the latest student loan debt statistic, “The debt is highest than ever.” These statistics have become a real concern among borrowers across all demographics and age groups.

3 Tips to Build Good Credit Score

A credit score is a number that evaluates the creditworthiness of any customer. Generally, lenders use credit scores to evaluate the probability that an individual will repay his or her debts.

6 Frequent Asked Questions Regarding Financial Management

Do you have an idea about financial management to take care of all of your investments or any investment you’re planning to make? If you have an idea about it, it’s great.

Documents Required For Mortgage Loan Approval in Twin Cities

The first step to get a mortgage loan successfully is to provide the lender with a completed application form along with various documents. Lenders usually demand these documents to verify your…

Best Credit Cards in USA

A credit card allows you to buy anything products on credit, meaning that you buy now and pay later. You get a credit card with a fixed credit limit and you can make purchases up to that limit. Your statement will be generated every month. You can either pay the full balance or the minimum amount due. However, in the latter case, you will be charged interest on the balance.

Small Business Loans: Choose The One As Per Your Need

Small business owners no longer depend on traditional banks for their loan requirements. From SBA loans to invoice financing, online lenders offer a variety of financing solutions at competitive…