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First State Bank in Winchester, OH

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Winchester, OH's First State Bank at 19230 State Route 136 offers convenient branch banking services.

Data compiled from public sources

First State Bank Review

First State Bank's Winchester, OH branch is located at 19230 State Route 136, operating as a standalone banking facility. This Winchester location serves customers seeking in-person banking services in the community.

The First State Bank branch serving Winchester, OH provides essential banking services including deposits, withdrawals, and account management. For specific details about hours and how to contact this Winchester location, customers are encouraged to reach out directly.

When visiting the First State Bank branch in Winchester, bring a valid government-issued ID for any transactions or account inquiries. This Winchester banking location is committed to serving the local community with reliable banking services.

Services & Features

Balance inquiries and fund transfers
Bill payment services
Business Checking Accounts
Cash Management services for business customers
Digital Banking platform for remote account management
Kasasa Cash Checking with 5.00% APY
Mortgage Loans for home purchase
Online account enrollment and access
Personal Checking Accounts with digital access
Savings Accounts (personal and business)
Student Checking Account with good grade rewards
e-Statements (newly upgraded platform)

Feature Checklist

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

Pros & Cons

Pros

  • FDIC-insured deposits backed by full faith and credit of U.S. Government
  • Kasasa Cash Checking offers competitive 5.00% APY on balances up to $15,000
  • Student Checking Account with rewards for good grades incentivizes financial responsibility in young customers
  • Dual service model with both physical banking centers and digital/online banking options
  • Business-focused services including cash management, business checking, and savings accounts
  • Dedicated customer support (937-695-0331) during platform transitions and for account assistance
  • Personalized mortgage lending service emphasizing consultation and customer choice

Cons

  • Limited geographic service area restricted to Ohio and Kentucky only
  • Recent e-statements platform transition caused temporary access disruptions and required customer contact for statement retrieval
  • Website lacks specific details on interest rates, fees, and APY for most account types beyond Kasasa Cash
  • No mention of investment services, wealth management, or trust services commonly offered by larger regional banks

State Consumer Finance Context

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

State regulator

Ohio Department of Commerce Division of Financial Institutions

Key state rules to check

  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).

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

What services does First State Bank offer?

First State Bank offers 12 services including Personal Checking Accounts with digital access, Student Checking Account with good grade rewards, Kasasa Cash Checking with 5.00% APY, Business Checking Accounts, Savings Accounts (personal and business), and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Ohio and Kentucky residents seeking FDIC-insured checking and savings accounts with personalized service, Students interested in rewards-based checking accounts that incentivize academic achievement, Small business owners in rural communities needing comprehensive business banking and cash management services, Homebuyers in the service area looking for mortgage lenders with local presence and personalized lending consultations.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Kasasa Cash Checking offers competitive 5.00% APY on balances up to $15,000; Student Checking Account with rewards for good grades incentivizes financial responsibility in young customers. Areas to consider: Limited geographic service area restricted to Ohio and Kentucky only; Recent e-statements platform transition caused temporary access disruptions and required customer contact for statement retrieval.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include 1st National Bank, Bank419, Belmont Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1934
Headquarters
Winchester, OH
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #9437
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Ohio and Kentucky residents wanting FDIC-insured community banking with competitive savings rates and personalized service, particularly small business owners and students. The main caveat is geographic limitation to two states and a recent e-statements platform transition that temporarily disrupted service accessibility.

Profile Signals

  • Ohio and Kentucky residents seeking FDIC-insured checking and savings accounts with personalized service
  • Students interested in rewards-based checking accounts that incentivize academic achievement
  • Small business owners in rural communities needing comprehensive business banking and cash management services
  • Homebuyers in the service area looking for mortgage lenders with local presence and personalized lending consultations
Updated 2026-05-08

Similar Companies

1st National Bank logo

1st National Bank

1st National Bank is a community bank based in Ohio offering checking, savings, credit cards, mortgages, and auto loans with local branch presence and online banking services.

BBB: NR

Profile signals: Ohio residents seeking community banking with local branch relationships, First-time homebuyers interested in down payment assistance and listed savings products

Bank419 logo

Bank419

Bank419 (formerly Metamora State Bank) is a community bank offering checking, savings, loans, and credit cards with a focus on personalized service across three Ohio locations.

BBB: NR

Profile signals: Small business owners in Ohio seeking personalized refinancing and lending relationships with local decision-makers, Customers in Metamora, Sylvania, and Maumee who prioritize face-to-face banking and community connection over digital convenience

Belmont Savings Bank logo

Belmont Savings Bank

Community bank with 140 years of history serving the Ohio Valley, offering personal and business banking, loans, mortgages, and digital services.

BBB: NR

Profile signals: First responders (police, firefighters, EMTs, nurses) seeking mortgages with lower-cost listed terms and no PMI, Ohio Valley residents seeking community banking with local decision-making and personal relationships

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Winchester, OH on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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