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Empower

Bank with Confidence.

The Empower community is open to everyone who wants to learn, grow, and connect.

We’re dedicated to building meaningful, trust‑based relationships between our bank and the people we serve.
From personal banking and business lending to mortgages and wealth management, Empower is here to guide you through every stage of life. Together, we’re strengthening our community - one relationship at a time.

 
 

Our Commitment


Our Empower community is designed to build meaningful, trust‑driven connections between the bank and the communities we serve. By keeping women’s financial literacy at the forefront, we provide resources and education that equip women to make confident, informed financial decisions.
 

We invite you to our first women’s Empower event featuring Heather Whelpley on March 5 at the Stillwater Event Center, beginning at 5:00 p.m.

Join us for an evening of networking, appetizers, drinks, and great conversation!

LEARN MORE



Simple, Smart Options

With a wide range of checking and savings options, our accounts are designed to support your goals. Whether you're building confidence, starting fresh, or growing what's next!

Earn Interest
First Class
  • $20.00 minimum to open
  • $1,000 minimum balance
  • Tiered interest rates
  • Free standard checks
  • Free Cashier’s Checks & Money Orders
  • Free 3 x 5 Safe Deposit Box
50+ Club
Croix Club
  • For clients age 50 or better
  • $20.00 minimum to open
  • No minimum balance
  • Free standard checks
  • Interest bearing
Traditional Checking
1914
  • $20.00 minimum to open
  • $100.00 minimum balance
  • Paper statements
Most Popular
eChecking
  • $20.00 minimum to open
  • No minimum balance
  • No monthly activity charge
















All FSBT Checking Accounts Include

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Debit Mastercard® 
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Online Banking
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Mobile Banking
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eStatements
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iTalk




















Join the Empower Community
As an Empower community member, you’ll receive quarterly eNewsletters, access to our member directory, a free t‑shirt at your first event, and more.



































 
         
         
         
         
         
         
         
         
         
         
     
 




















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Taking control of your financial future can feel overwhelming, but it doesn’t have to be.
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Stay Connected!

Since its founding in 1914, First State Bank and Trust has served as a cornerstone of the Stillwater community.
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Request an Appointment

We're ready to help you start your journey toward financial success.