Online Banking

Online banking offers a convenient way for you to securely access your State Bank of Pearl City accounts. Make payments, check your balance or make transfers through our bank website – anytime, anywhere you go!

Mobile Banking

Our exciting new mobile app puts convenient banking in the palm of your hand. Securely check balances, review transactions and statements, transfer funds, pay bills and more!

Telephone Banking

Telephone Banking at The State Bank of Pearl City is available anytime, anywhere for our customers at no cost. Check balances on your accounts, make transfers of funds between accounts and receive other bank information from your phone. Call toll-free: 888-231-9603.

Free Online Bill Pay

Our customers today are using online banking to pay every bill imaginable – mortgages, loans, credit cards, tuition, you name it. Save time and money on postage, envelopes and avoid late fees.

The State Bank of Pearl City does not charge for Online Bill-Pay.

Download our Mobile Banking app today from the App Store or Google Play.


About Us

The year 1945 marked the official end of World War II, the founding of the United Nations and on December 8th, The State Bank of Pearl City was established. The bank has been an independently owned community bank since that day.

Our focus continues to be on you and your financial needs, our local families, businesses and farmers. As a community bank, we’ve grown up right along with generations of our neighbors, and our roots run deep in support of our schools, churches and our many dedicated volunteer organizations.

Today, you need a full service bank and we proudly serve our customers in a three county area – Stephenson, Carroll and Jo Daviess. Unlike larger banks, we want to know our customers on a first name bases – building personal relationships that can last a lifetime. Our bank staff in Pearl City and Mount Carroll understand local market conditions.

The bank is financially rock-solid which allows us to offer products such as free hometown checking, online banking, competitive savings and loan rates, term life insurance, health savings accounts and much more. When you need a solution for a personal or business financial question, you can be assured that all decisions are made within the bank – not some far off processing center.

Our Mission

To serve the community we live and work in by offering relevant products and services that help us all to move in a prosperous manner.