Collins State Bank logo

Collins State Bank in Collins, WI

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Collins State Bank is a community bank offering checking, savings, online banking, and lending products with over 100 years of service history.

Data compiled from public sources

Collins State Bank Review

Collins State Bank is a traditional community bank that has served its local communities for more than a century. The institution positions itself as a relationship-focused alternative to larger national banks, emphasizing knowledgeable, friendly, and local service. The bank maintains physical branch locations and provides both in-person and digital banking options.

The bank offers a comprehensive suite of retail banking services including checking and savings accounts, mobile and online banking platforms, lending products (home equity loans and HELOCs), and bill payment services. Customers can access accounts 24/7 through online banking, deposit checks via mobile app, transfer funds between accounts, manage payees, and send money through Zelle. The bank also provides debit card fraud protection through SecureLOCK Equip and operates a kids' savings club (Banker Buck Kids Club) for financial education.

Collins State Bank distinguishes itself through its emphasis on community banking and local presence, multi-channel access including phone banking (1-866-953-4433), and advanced security features such as Out of Band authentication for online banking. The institution promotes educational tools including financial calculators and actively uses social media engagement through Facebook. Their routing number (075908276) and comprehensive customer service infrastructure suggest an established regional operation.

As a traditional community bank, Collins State Bank serves customers seeking local relationship banking with modern digital conveniences. The bank appears well-suited for customers in their service area who value personal service alongside technological accessibility. However, the website provides limited information about deposit rates, loan terms, fee structures, or specific product details, making comprehensive rate and cost comparison difficult for prospective customers.

Services & Features

Bill payment services
Checking and savings accounts
Debit card fraud protection (SecureLOCK Equip)
E-statements and account history download
Financial calculators
Fund transfers between accounts
Home equity lines of credit (HELOC)
Home equity loans
Mobile banking app with check deposit
Online banking with 24/7 account access
Telephone banking
Zelle money transfer integration

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Over 100 years of community banking history and established local presence
  • Advanced security authentication using Out of Band verification for online banking
  • 24/7 online and mobile banking access with check deposit capability via mobile app
  • Multiple contact channels including telephone banking, online banking, and in-branch service
  • Zelle integration for fast peer-to-peer money transfers
  • SecureLOCK Equip fraud protection for all debit cards
  • Educational products including Banker Buck Kids Club for teaching children savings habits

Cons

  • Website provides no information about deposit rates, APYs, or loan rates for comparison
  • Limited details on account fees, minimum balance requirements, or product-specific terms
  • No listed disclosure of which specific loan products are available or their eligibility criteria
  • Geographic service limitations implied by 'community bank' model — may not serve all areas
  • Website lacks detailed product documentation, fee schedule visibility, or downloadable disclosures from homepage

State Consumer Finance Context

This is state-level context for Banks consumers in Collins, WI. It does not confirm that Collins State Bank or this specific location is licensed.

State regulator

Wisconsin Department of Financial Institutions

Key state rules to check

  • Wisconsin has no usury cap for licensed lenders, allowing unlimited payday loan rates.
  • Payday loans are governed by the Wisconsin Consumer Act but without rate caps.
  • Licensed lenders must disclose APR and fees but are not limited by them.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

Does Collins State Bank respond to consumer complaints?

According to CFPB data (2023-present), Collins State Bank has a 100% response rate to consumer complaints, with 82.6% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.

What services does Collins State Bank offer?

Collins State Bank offers 12 services including Checking and savings accounts, Online banking with 24/7 account access, Mobile banking app with check deposit, Bill payment services, Fund transfers between accounts, and 7 more.

What profile signals are listed for Collins State Bank?

Collins State Bank has profile signals associated with Customers in Collins State Bank's service area seeking relationship banking with local staff, Individuals who value community banking over large national bank impersonal service, Families interested in teaching children financial literacy through structured savings programs, Customers seeking multi-channel banking (branch, phone, mobile, online) in a single institution.

What are the strengths and weaknesses of Collins State Bank?

Key strengths: Over 100 years of community banking history and established local presence; Advanced security authentication using Out of Band verification for online banking; 24/7 online and mobile banking access with check deposit capability via mobile app. Areas to consider: Website provides no information about deposit rates, APYs, or loan rates for comparison; Limited details on account fees, minimum balance requirements, or product-specific terms.

How does Collins State Bank compare to similar companies?

In the Banks category, comparable providers include Bank Cmg, Bank of Alma, Bank of Ontario. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1914
Headquarters
Collins, WI
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #14914
Visit Collins State Bank

CreditDoc Profile Note

Research Note on Collins State Bank

Collins State Bank is profile signals for regional customers seeking traditional community banking with modern digital conveniences and local relationship service. The main caveat is that the website provides minimal transparency on rates, fees, and specific loan terms, requiring direct contact with the bank for detailed product information and cost comparison.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Response Rate*
100%
On-Time Response**
82.6%

* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)

** Percentage of responses delivered within the CFPB's 15-day window

Source: consumerfinance.gov | Last checked 2026-05-04

Profile Signals

  • Customers in Collins State Bank's service area seeking relationship banking with local staff
  • Individuals who value community banking over large national bank impersonal service
  • Families interested in teaching children financial literacy through structured savings programs
  • Customers seeking multi-channel banking (branch, phone, mobile, online) in a single institution
Updated 2026-05-08

Similar Companies

Bank Cmg logo

Bank Cmg

Bank CMG is a regional bank offering personal and business banking services including checking, savings, CDs, home loans, and digital banking across 10 Wisconsin locations.

BBB: NR

Profile signals: Wisconsin residents seeking community banking with competitive CD rates and multiple branch locations, Small to medium-sized businesses needing treasury management and remote deposit capture services

Bank of Alma logo

Bank of Alma

Independent community bank with four locations in Wisconsin (Alma, Pepin, Nelson, Wabasha) offering checking, savings, loans, and 24/7 online banking access.

BBB: NR

Profile signals: Wisconsin residents in Alma, Pepin, Nelson, or Wabasha seeking relationship-based community banking, Customers age 55+ interested in senior-focused banking programs and local service

Bank of Ontario logo

Bank of Ontario

Community bank serving Vernon County with checking, savings, and digital banking through Bank of Ontario and its affiliated branches Genoa State Bank and Westby State Bank.

BBB: NR

Profile signals: Vernon County residents seeking community banking relationships with local branch access, Customers who value personalized service from established community banks

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Quick Summary

  • Collins State Bank is listed as a Banks provider in Collins, WI on CreditDoc.
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