Intro – First State Community Bank Reviews & Ranking


First State Community Bank was recently ranked and reviewed by AdvisoryHQ as a top rated banking firm. Firms on our top rated lists were selected after they successfully passed AdvisoryHQ's groundbreaking, four-step banks and credit unions selection methodology

Click here for a step-by-step breakdown of the methodology and selection process used during our First State Community Bank review: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.

TheFirst State Community Bank review below provides a detailed assessment, including some of the factors used by AdvisoryHQ News in its ranking and selection of First State Community Bank.



First State Community Bank Review


A community bank based in southeast Missouri, First State Community Bank is one of the most respected throughout this area of the state. FSCB has a history of providing state residents with banking products and services since 1954, and its goal is to provide personalized customer service to help clients find the right solutions for their needs.

In 2010, FSCB reached the milestone of $1 billion in assets, and it is now the largest bank with headquarters in southeast Missouri.

Image Source: First State Community Bank



Key Factors Leading Us to Rank This Firm as One of This Year’s Top Banking Firms

Upon completing our detailed reviews, First State Community Bank was included in AdvisoryHQ’s ranking of this year’s best banking firms based on the following factors. 

First State Community Bank Review: Horizons Club

The Horizons Club is a unique offering from FSCB that lets members enjoy benefits to things that are beyond the parameters of traditional banking. For example, members of the Horizon Club have access to travel, social activities, seminars, identity protection tools and resources, and more.

The Horizons Club Checking Account includes the following:

  • Family IDProtect
  • Earned interest
  • One box of free Horizon Club checks per year
  • 20% discount on safe deposit boxes
  • Check images returned with statement
  • No charge for money orders, stop payments, cashier’s checks, domestic wire transfers, and account sweeps

First State Community Bank Review Horizons Club-min

Image Source: Horizons Club

The monthly membership fee of $8 can be waived by maintaining a direct deposit and two qualifying products or by maintaining a combined daily average ledger balance of $10,000 in all accounts, which can include CDs, IRAs, money market, savings, and checking accounts.



First State Community Bank Review: Free eChecking

For banking customers who want a simple, basic account that offers plenty of features and convenience, FSCB offers Free eChecking. This account provides the fundamentals and is ideal if you’re seeking easy and fast access to funds.

There is no monthly service fee, but electronic statements are required. The opening deposit is only $50, and it includes access to the MoneyPass Free ATM Network. This account also includes an FSCB Debit MasterCard, access to mobile banking with Bill Pay, and the option to utilize MoneyTrack Online Financial Management.

First State Community Bank Review: MoneyTrack Online Financial Management

In an effort to provide the most value and robust services to clients, FSCB offers the opportunity to use MoneyTrack Online Financial Management. This resource lets clients create their own personalized savings goals and budgets and then determine how well they’re working toward achieving them.

Users not only can designate their savings goals but also organize their expenses into categories, add accounts from outside financial institutions, and see a monthly cash flow calendar which provides an easy way to view your expenses and your overall financial picture.

First State Community Bank Review: Simple Saver

Many consumers are interested in making saving money as straightforward and effortless as possible, and this is one of the reasons FSCB offers the Simple Saver account.

This interest-bearing account has no minimum opening deposit, and all account holders have to do is set the amount they want to save. Then, automatic transfers are set up from your linked FSCB Checking Account so you can save money on a regular basis without having to give it any thought or having to spend any time.

Other savings options include the basic savings account, Health Savings, and Junior Savers which is for young people ages 0–17.



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