We are very grateful to our customers for your support and patience through such extraordinary circumstances over these past few months. While our lobbies are officially “open,” you should be aware of temporary processes and limitations necessary to comply with the state’s re-opening guidelines. All customers will be required to wear a mask unless they are unable due to a medical condition. Lobby capacity will also be limited under state requirements, and we strongly urge all customers to call ahead or make an appointment to ensure the best experience possible.

COVID-19 Scams

During times of crisis, scammers will use feelings of uncertainty and worry against you. Please visit our Security page to learn more about recent scams that have come up in relation to COVID-19.

Paperless Statements

We offer the longest lobby and drive-up hours in Champaign, Piatt, and Douglas Counties!

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Wealth Management

Our experienced FSB Wealth Management Team can assist you with all of your Trust and Investment Management needs. We specialize in Estate Planning, Personal Trust and Investment Management.

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Mortgage Center

Whether you’re a First Time Home Buyer or an existing homeowner, visit our Mortgage Center to explore all the ways First State Bank can meet your Mortgage needs.

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Online Banking

Obtain account information 24 hours a day 7 days a week by accessing First State Bank’s On-line Banking site. It’s safe, secure and user friendly!

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Mobile Banking

Manage all of your First State Bank accounts while you’re on the go with our Mobile Banking application. Banking couldn’t be easier!

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Health Savings

Open a no fee Health Savings Account with First State Bank to help you save money and take greater control of your healthcare costs.

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Business banking

Business Banking

Let's do business together. At First State Bank, we understand the special financial needs of both growing and established businesses.

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Our Story

First State Bank was established by a group of Monticello businessmen in 1945. The company’s foundation has always been a commitment to the communities we serve-a precedent that dates back to our origins during the end of World War II. We’ve grown considerably since those early days, but our tradition of service has never wavered.

Our Services

Experience the powerful combination of modern products and services, delivered through a true community bank model. That means you will always enjoy the comfort, convenience, and quality of service you’ve come to expect, while still having access to the same extensive range of banking products offered by any large regional or national bank.

Our Locations

First State Bank operates several convenient locations throughout Central and East Central Illinois. We offer the longest lobby and drive-up hours in Champaign, Piatt, and Douglas counties. If you prefer the comfort of your own home or office, then we’ll bring the bank to you through our full suite of online and mobile products, available 24 hours a day!

Local Weather


Monticello, IL