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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.

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Sallie Mae Smart Option

Our Spirit Lake lobby will be closed to the public until further notice. Please continue to use our digital products or contact us to make an appointment

Small Business Customers
Visit our Paycheck Protection Program page for more information on the recent changes to the PPP program.

Personal Accounts | Business Accounts

Personal Accounts

Freedom Checking

  • No minimum balance
  • No service charge
  • First 50 checks FREE
  • $25.00 opening deposit
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Regular Checking

  • $400.00 minimum balance to avoid fees
  • Free ATM/Debit card withdrawals at our ATM locations
  • Waived service charge for retired account holders
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

NOW Checking

  • $750.00 minimum balance to avoid fees
  • Variable rate compounded daily and paid monthly
  • Waived service charge for retired account holders
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Navigator Checking

  • $15,000.00 minimum balance to avoid fees
  • FREE ATM/Debit card withdrawals at ALL locations
  • FREE debit card
  • Variable rate compounded daily and paid monthly
  • Unlimited check writing per statement cycle
  • Order checks from Deluxe®

Savings

  • $5.00 opening deposit
  • Variable rate compounded daily and paid quarterly
  • Monthly statement if EFT activity, otherwise quarterly

Health Savings Accounts

  • Tax advantaged savings account used for medical expenses
  • $50.00 opening deposit
  • First 25 checks FREE
  • Variable rate compounded daily and paid monthly

Money Fund

  • $1,000.00 opening deposit
  • Variable rate compounded daily and paid monthly. Rate increases with higher balances.
  • Maximum of 6 preauthorized transfers
  • Monthly Statement

Time Certificates

Retirement Accounts

  • $25.00 opening deposit
  • Traditional IRA, Roth IRA, Simple IRA

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Business Accounts

Business Analysis Checking

Small Business Checking

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Member FDIC Equal Housing Lender