Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Colorado Bank Account
Colorado Bank Accounts for Personal & Business Banking
We offer old-fashioned personalized service backed by modern digital conveniences. Secure banking by people you trust.
- FDIC-insured with A+ BBB rating
- Community-owned with a local ownership story
- Reliable digital banking without complexity
Trusted by Southeastern Colorado Families for Over 125 Years
We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.
Local bank in Colorado
Banking That Understands Your Business
To us, you do not need to explain your business. We live here. We understand your needs.
For Everyday Banking
Checking Accounts
Best for: Daily transactions, bill paying, debit card purchases
- Access to an FSB Debit MasterCard
- Over 55,000 free ATMs nationwide
- Interest-bearing accounts available
- Access to online bill pay
- Personalized checks available
For Building Your Future
Savings Accounts
Best for: Emergency funds, short-term goals, money you don't need right away
- Above-average interest rates
- No minimum balance or fees
- 24/7 access online
- All accounts FDIC insured
For Higher Returns
Certificates of Deposit
Best for: Money you can leave alone for months or years
- Above-average interest rates
- Time deposits with a variety of maturity options (6 months to 5 years)
- All accounts FDIC insured
For Daily Operations
Business Checking
Best for: Business expenses, payroll, vendor payments
- Business debit MasterCard with nationwide ATM access
- Online banking and bill pay for business accounts
- Perfect for handling seasonal cash flow changes
For Business Growth
Business Savings
Best for: Building cash reserves, earning on business funds
- Business savings accounts with competitive rates
- Easy transfers to checking when you need operating cash
Our Specialty
Agricultural Banking
Best for: Farmers and ranchers who need financing
- Operating loans for seed, feed, and supplies
- Equipment financing for tractors and machinery
- Livestock financing options
- Real estate loans for farmland purchases
Our team is here
Need Help Deciding?
Learn more about personal banking accounts by talking to our representatives today.
Call Us +1 (719) 263-4276
Agricultural Lending - Quick Local Decisions
Need an answer on financing?
Our loan decisions are made right here in Fowler, not at some corporate office. Jonathan Fox, our CEO, even served as Chairman of the Colorado Banking Board, so you know you’re working with people who understand banking and agriculture.
Why Choose Fowler State Bank
Local Banking That Makes Sense
We Actually Live Here
Our staff lives in Fowler and the surrounding area. We shop at the same stores, our kids go to the same schools, and we understand what matters to this community.
Above-Average Rates, No Hidden Fees
Our savings accounts and CDs offer above-average interest rates with no minimum balance requirements or monthly fees. Your money works harder here.
Agricultural Expertise You Can Trust
We’ve been financing farms and ranches since 1899. When commodity prices drop or weather doesn’t cooperate, we work with you – not against you. That’s what neighbors do.
Local Decision-Making
Need a loan decision? We make them right here in Fowler, usually within a day or two. No sending your application to some corporate office and waiting weeks for an answer.
Digital Banking & Additional Services
Modern Tools Plus Everything Else You Need
Online & Mobile Banking
- Check account balances and transaction history 24/7
- Online bill pay with scheduling options
- Mobile check deposit
- Find ATMs from our network of 55,000+ free locations
- Transfer money between your accounts
- Secure messaging with our staff
Additional Services
- Safe deposit boxes for important documents
- Wire transfers for large payments
- Notary services (no appointment needed)
- Money orders and cashier's checks
- Personal loans for cars, home improvements, or debt consolidation
Visit Our Home in Fowler – Where Banking Begins
Experience the difference of local banking at its finest. Located in the heart of Fowler, our branch is more than just a bank
Ready to Start Banking With Your Neighbors?
Fill out the form to open your deposit account and experience community banking done right.
Benefits of Banking With Fowler State Bank
- No monthly fees on checking accounts
- Local loan decisions made by people you know
- Personal service from staff who live in your community
Need help? Send us a message!
Have questions about your account, credit, or loan? Send us a message, we’ll get back to you quickly.