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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.

Apply Now




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.

Bill Pay

Bill Pay

With online Bill Pay you can pay all of your bills - from your handyman to your utilities - on one secure site. Bill pay lets you save time and money while managing your bill paying routine in one convenient spot. Plus, with Bill Pay you can control when and how much to pay.

With Bill Pay you can:

  • Pay any bill, anytime
  • Stop or change payments anytime
  • Schedule payments in advance
  • Add any bill quickly with limited information

Since Bill Pay is part of our online banking system you only have to remember one user ID and password. Let us know if you are interested in using Bill Pay and we will enable it on your online banking account. If you have not enrolled in online banking yet, enroll today.

CheckFree Guarantee

CheckFree will bear the responsibility for any late-payment-related charges (up to $50) should a payment arrive after its due date as long as you scheduled the transaction in accordance with the service's terms and conditions.

Member FDIC Equal Housing Lender