Every client at First State Bank and Trust is automatically enrolled in iTalk and will be able to access any account associated with their social security number.

iTalk is available to use by either touch tone or voice recognition on a telephone.

The first time you call iTalk, you will need to be prepared with your account number and Social Security number. Follow the prompts to seamlessly set up your new 4-8 digit PIN. Once set up, you will only need to have your account number and PIN to access your accounts through iTalk.

Please use the following as a visual reference guide to navigate through the iTalk menu:

1. All transactions
2. Withdrawals
3. Deposits
4. Amount
5. Check number
6. Date
7. ATM transactions
8. Last 5 transactions

1. Transfer funds immediately.
2. Schedule a funds transfer.
3. Payments.
4. Hear existing scheduled transfers.

1. Activate a card.
2. Deactivate or report a card lost or stolen.

iTalk has a hard time hearing my requests. What should I do?

While speech recognition is a great feature, it may not be for everyone. You can also use your phone’s touch tone buttons to input account information and navigate through the iTalk service options.

I forgot my PIN. What do I do?

Please contact Client Services at 651.439.5195 for assistance.

Does my debit card PIN work for iTalk?

Debit/ATM cards and iTalk services are separate from each other. If you change a PIN for one, it does not affect the other. For security, it is best to keep separate PINs in case of account fraud.

Can I transfer funds to someone I know that also banks at First State Bank and Trust?

No. For privacy reasons you will not have access to the recipients account on iTalk. A great way to do this would be to send a payment to a person through our BillPay services included with Internet Banking. Visit BillPay FAQs for more information.