First State Bank’s mission is to be a stable independent community bank that offers the highest quality products and services to its customers. First State Bank is a wholly owned subsidiary of Crystal Valley Financial Corporation (CYVF), First State Bank is a locally owned, independent community bank providing consumer, agricultural, business and commercial financial services since 1910. In recent years the Corporation has expanded Asset Wealth Management Services through the Trust/Wealth Management Department. We have branches located in St. Joseph and Elkhart counties.

below are the FIRST STATE BANK products available:
  • Checking Account: B On Checking
    • Minimum Opening Balance: $50
    • Monthly Maintenance Fee: None
    • ChexSystems: No
    • Out of Network ATM Fees: Yes
  • Savings Account: Statement Savings
    • Minimum Opening Balance: $50
    • Monthly Maintenance Fee: None
    • ChexSystems: No
    • Out of Network ATM Fees: Yes

Interested in one of these products? Visit a location near you or call (574) 825-2166.


In order to apply for the financial products listed above, you may be required to take one or more of our financial education workshops. Check with your bank partner regarding this criteria. To See class offerings, click here.