The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans

  • Apply for a mortgage anytime and anywhere.
  • Save your application to complete at a later time.
  • Calculators to help you make the best decition.

Apply Now


National Cyber Security Awareness

VoiceAccess Telephone Banking

Our automated telephone banking system allows you to bank anytime, anywhere. Call toll free 24 hours a day, 7 days a week from the comfort of your home, office or car. VoiceAccess is not only quick and easy, it's totally FREE!

Call 712-336-4625 or 855-336-4625

Some of the features VoiceAccess offers:

VoiceAccess
  • Check your current & available balance
  • Access check, withdrawal, & deposit history
  • Transfer funds between your State Bank accounts
  • Check CD & loan maturity dates
  • Lookup loan detail & make payments
  • Interest paid for previous & current year
  • Check loan & deposit account interest rates

You will be prompted to enter your account number and personal identification code (PIN). The initial PIN is the last four digits of the primary account holder's social security number. At that time the system will prompt you to change your PIN. Remember, never share your PIN with anyone and never write it down - memorize it!. If you forget your PIN, just give us a call at 712-336-2455 and we will instruct you on how to get a new one.