Senath State Bank Is Joining
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Great things are ahead - bringing more resources, more technology, and the same local team you've always trusted, ready to serve you just as they always have. For over 90 years, First State Bank & Trust Co., Inc. has remained a locally owned financial institution and through the commitment of its officers, directors and employees it continues to be a strong, stable and independent community bank with local management at each location. |
A Note from Our Leadership
We are thrilled to bring our two community banks together. This partnership is built on shared values: a deep commitment to our customers, our employees, and the Southeast Missouri communities we all call home. We invite you to watch a short message from our CEO, Matt Drake, to learn more about this exciting step forward.
"This is a natural fit. Senath State Bank has a wonderful history of local service, and we are committed to continuing that legacy. Together, we will be stronger, allowing us to invest more in technology and services while preserving the local decision-making and personal attention that define community banking. We look forward to building a bright future together."
"Finding a partner that shares our core values was our highest priority. FSBT's commitment to its employees, customers, and communities mirrors our own. This agreement ensures our customers will continue to receive the exceptional service they deserve from familiar faces, while gaining access to a wider range of products and services. We are truly excited for the opportunities this creates for our team and our customers."
Nothing Changes For You
There is nothing you need to do. Your banking will continue without interruption.
- Same Friendly Service The local team you know and trust isn't going anywhere.
- Your Accounts are Safe Your accounts, loans, and other services remain unchanged.
- Keep Your Cards & Checks Your debit cards, credit cards, and checks will continue to work exactly as they do today.
- No Change to Online Banking Your login and access to online and mobile banking stay the same.
Stronger Together: What's on the Horizon
After the partnership is finalized, you'll enjoy the benefits of a larger community bank network.
- More to Offer Access to an expanded lineup of personal and business banking services.
- Better Banking Tools More convenient ways to manage your money with enhanced digital and mobile technology.
- A Wider Network Greater convenience with our combined family now serving 10 locations across Southeast Missouri.
| Our No-Surprises Pledge | ||
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| As we move forward, we promise to be transparent, helpful, and true to our community roots. | ||
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The Road Ahead
We'll keep you informed every step of the way. Here's a general look at what to expect.
Current: Announcement
We've announced the exciting news. Everything continues as usual.
Coming Soon: Planning & Approvals
Our teams work together behind the scenes while we await regulatory approval.
Later: Welcome & Transition
You'll receive information along the way with everything you need to know to ensure a smooth transition.
Your Questions, Answered
Do I need to do anything with my accounts right now?
No. Continue banking as you normally would. There are no immediate changes to your accounts.
Will my direct deposits and automatic payments (ACH) continue to work?
Yes. All direct deposits, automatic transfers, and bill payments will continue to process without interruption.
Can I keep using my Senath State Bank debit card and checks?
Yes. Your existing debit cards and checks will work just as they do today. We will give you plenty of notice before sending new ones.
What happens to my online and mobile banking?
Continue to log in using your current username and password.
Are my loans or mortgages affected?
No. The terms of your existing loans, mortgages, and lines of credit remain the same.
Will my branch hours change?
No. Your local branch will continue to operate with its current hours.
How will I receive my account statements?
You will continue to receive your statements the same way you do now, whether through the mail or as e-Statements.
Is my money still FDIC insured?
Yes. Your deposit accounts will continue to be insured by the FDIC up to the maximum allowable limits. We will provide specific information about maximizing your coverage across the combined bank in the future.
Have More Questions? We're Here to Help.
Your trust is our most important asset. If you have any questions, please reach out.
Contact Us