Based on 12 reviews
Central State Bank is a family-owned community bank serving Iowa since 1942, offering personal and business banking services including checking, savings, CDs, loans, and digital banking. It operates three branches in State Center, Ames, and West Des Moines, with a history dating back to 1937 when it merged with First National Bank.
The bank's website states it partners with Elan Credit Card Services to offer personal and business credit cards, while its FDIC-insured status ensures deposits are backed by the full faith and credit of the U.S. Government. Customers can access these services through online and mobile banking platforms available to all account holders.
According to the bank's own website, it expanded its reach by opening a new branch in Somerset Village, Ames in 2019 and adding a location in West Des Moines in 2022, continuing a growth pattern that started with its first branch in 2019.
The bank's pricing page lists current CD rates as of September 28, 2026, with a 6-month CD offering a 3.45% interest rate and a 9-month special CD at 4.15%, both requiring a $1,500 minimum opening deposit to earn the stated APY.
Multiple reviewers on Trustburn praise the bank's friendly and helpful staff, noting that the online banking platform is easy to use and makes managing finances a breeze, which is a consistent theme across their feedback.
The bank's FAQ page explicitly states that customers can access their accounts outside normal hours using free telephone banking available 24 hours a day, seven days a week, alongside online and mobile banking tools.
Central State Bank serves customers in central Iowa, specifically through its three branches located in State Center, Ames, and West Des Moines, providing personalized local banking services to individuals, families, and businesses.
The bank's history includes a merger in 1942 when Bill Haesemeyer purchased Central State Bank and merged it with First National Bank, establishing a family-first culture that continues today under the Haesemeyer family leadership.
To get started, customers can apply for an Elan Credit Card online through Central State Bank's website, which takes just a few minutes to complete, or visit one of the three physical branches for assistance.
The bank's website mentions that it offers a minimum daily balance of $0.01 to obtain the Annual Percentage Yield on savings accounts, and a minimum balance of $50.00 is required to avoid a $5.00 fee on the Freedom 250 Savings Account.
Central State Bank is an Equal Housing Lender and a member of the FDIC, ensuring compliance with federal regulations and providing protection for customer deposits up to the insured limits.
The bank's website states that it offers remote deposit and merchant card services for business customers, alongside commercial checking accounts and cash management solutions.
The official website of Central state bank is centralstatebankia.com.
On Trustburn, Central state bank has a rating of 3.9 out of 5 based on 12 reviews.
AI-generated from reviews on this page. Verify anything important with the company directly.
Central State Bank has been my go-to bank for years. The staff is always helpful and the service is top-notch. I love their online banking platform, it makes managing my finances a breeze. I highly recommend Central State Bank to anyone looking for a reliable banking partner. ๐
Central State Bank is my favorite bank. Their staff is always friendly and helpful. The online banking platform is easy to use and convenient. I highly recommend Central State Bank to anyone looking for a reliable banking partner. ๐
I recently switched to Central State Bank and I am very happy with my decision. The staff is friendly and efficient. The online banking platform is easy to navigate. I highly recommend Central State Bank for all your banking needs.
I have been a customer of this bank for quite some time now and I am very satisfied with their services. The staff is always courteous and professional. The online banking platform is user-friendly and convenient. I highly recommend this bank to anyone in need of a reliable banking partner.
I have been a loyal customer of Central State Bank for several years and I must say, they have never disappointed me. The staff is always friendly and helpful. The online banking platform is straightforward and easy to use. I highly recommend Central State Bank to anyone looking for a trusted banking partner.
I have been banking with them for a while now and I have had a great experience. The staff is friendly and knowledgeable. The online banking platform is easy to use and navigate. I highly recommend Central State Bank to anyone looking for a reliable banking partner.
Central State Bank is a great bank with excellent services. The staff is always helpful and courteous. I love their online banking platform, it is easy to use and makes managing my finances a breeze. I highly recommend Central State Bank to anyone in need of a reliable banking partner. ๐
I have been banking with them for a while now and they have consistently provided great service. Their online banking platform is easy to use and navigate. I appreciate the convenience it offers. The staff is friendly and helpful. I have had no issues with them so far and I highly recommend Central State Bank to anyone looking for a reliable banking partner.
I have been a customer of Central State Bank for over 5 years and I must say, they have provided me with excellent service throughout. The staff is knowledgeable, friendly, and always willing to help. The online banking platform is user-friendly and convenient. I highly recommend Central State Bank to anyone in need of a reliable and trustworthy banking partner.
I have been banking with Central State Bank for a while now and I am extremely satisfied with their services. The staff is friendly and efficient. The online banking platform is user-friendly and makes managing my finances a breeze. I highly recommend Central State Bank to anyone in need of a reliable banking partner. ๐
I recently started banking with Central State Bank and I am very impressed with their services. The staff is friendly and attentive. The online banking platform is user-friendly and convenient. I highly recommend Central State Bank to anyone looking for a reliable banking partner.
๐ Central State Bank is the best! Their staff is always ready to assist with a smile on their face. The online banking experience is smooth and hassle-free. I love how easy it is to manage my finances with their user-friendly platform. I highly recommend Central State Bank to anyone who wants a convenient and reliable banking experience. ๐
No news yet. This is where the business shares its own updates and press.
No photos yet. Photos shared by reviewers will show up here.