Collins State Bank logo

Collins State Bank in Collins, WI

4.2/5

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 · Rating from CreditDoc methodology

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 transparent 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

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.8
Transparency
4.2
Ease of Use
4.5

Frequently Asked Questions

Is Collins State Bank legitimate?

Yes. Collins State Bank is a registered company, headquartered in Collins, WI, founded in 1914.

How long does Collins State Bank take to show results?

Account opening typically takes 1-3 business days. Loan decisions vary by product.

Quick Facts

Founded
1914
Headquarters
Collins, WI
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #14914
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Collins State Bank

CreditDoc Diagnosis

Doctor's Verdict on Collins State Bank

Collins State Bank is best 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

Issues Resolved
100%
Timely Responses
82.6%

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

Best For

  • 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 2026-05-04

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