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First State Bank & Trust cardholders can make surcharge-free transactions at all Allpoint ATMs. However, effective June 16, 2022, the Allpoint Network was removed from The Store in Caruthersville and Hayti locations.
First State Bank & Trust cardholders will see a surcharge screen on these ATMs and will be charged a surcharge if they accept the fee. Click here to find a surcharge-free ATM near you.

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Perfect for any young adult 15-22.


We are more than just products and services. We're there for your first paycheck, buying a home, opening a small business, starting a family, or planning to retire, and everything in between.

We're the local bank you know & Trust for all your financial needs


buying a home shouldn't be hard. it isn't at first state bank & Trust.

Partnering with First State Bank & Trust Co., Inc. for your home purchase allows you to enjoy the benefits of a local lender. Our bankers get to know you and your family members by name, and when you have a question during the process of buying a home, you’ll have the luxury of knowing exactly who to call for advice.

Enjoy the convenience of our online mortgage application and local credit decisions to make the approval process quick and easy.

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One of the fastest growing financial crimes infiltrating the United States relates to synthetic identity payments fraud? In fact, synthetic identity fraud is so prolific, it reaches beyond the payments systems, to healthcare systems, consumers and government entities alike. Thus, The Federal Reserve is working with the payments industry and others to raise awareness of this increasing problem. 

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