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You'll find everything you need to protect and manage your money - at home and on the road, right here at First State Bank and Trust.

iTalk **NEW 24-hour Telephone Banking System**

With the upgrade of our new telephone banking system, iTalk, please listen carefully as our options have changed. To set up your new PIN, you will need to know your account number and social security number. Follow the prompts to seamlessly set up your new 4-8 digit PIN. iTalk has all the features you need to do your banking over the phone - verify your balance, transfer funds, activate a new debit card and more! iTalk is available 24-hours a day/7 days a week. Call 651.439.7722 to access the system. If you have questions, please contact us at 651.439.5195.

Internet Banking

Look up your balance. Transfer funds. Confirm transactions. Make a First State Bank and Trust loan payment. Pay bills. Even download your monthly transactions into your business accounting software for record keeping that is faster and more accurate. Click here to learn more about Internet Banking at First State Bank and Trust.

Account Protection Transfer

This product allows you to link a savings, money market, or another checking account to your primary checking to protect your account from being overdrawn.  Transfers are made in increments of $100.  Refer to fee schedule for applicable fees.

Safe Deposit Boxes

Keep your most valuable possessions and documents safe on our premises. Four box sizes are available: 3" x 5"; 3" x 10"; 5" x 10"; 10" x 10". See our Fee Schedule for annual rental rates.

Wire Transfers

Our customers have access to the Federal Reserve Wire Transfer system. See us for quick, safe funds transfers to anywhere in the United States and hundreds of locations worldwide.


First State Bank and Trust has shredders in our Bayport, Oak Park Heights, and Stillwater offices for you to shred your sensitive documents. These are available to use free of charge during normal lobby hours.