Our Response to Covid-19

To our valued customers,

Thank you for your patience, understanding, and most importantly your business during this COVID-19 crisis. Apple River State Bank and First Community Bank of Galena have worked diligently to keep our customers and employees safe and secure.

During this crisis, our drive-ups and walk-ups will remain open. Our lobies will be open when permitted by the guide lines of the Illinois Department of Public Health and the CDC.

Rest assured we are here to help. We've processed and closed hundreds of home mortgages and Paycheck Protection Program (PPP) loans. Our electronic banking services have remained available around the clock, including Online Banking, Mobile Banking and Online Bill Pay services.

Our Plan

We are closely following guidance from the Illinois Department of Public Health and the CDC. Here is what you can expect from us:

  • The number of customers allowed in our lobbies at the same time will be limited.
  • Customer facing employees will be using facemasks and we encourage customers to use them as well.  If you happen to forget your facemask, we will have disposable masks available for you.  If you are wearing a mask and identification is required, you will be asked to provide a state-issued photo ID and briefly pull down your mask.
  • Hand sanitizer stations will be available throughout the bank for customer use.
  • Floor decals will be used to encourage social distancing.
  • Plexiglass partitions will be used where direct interaction takes place.
  • We will give you a friendly wave rather than shaking hands.
  • All bank staff have been trained on proper personal sanitation practices and proper customer interaction protocols.
  • Coffee and hospitality service, where previously available, will be discontinued.
  • Call-ahead appointments will be recommended for any bank services beyond standard teller window service.
  • Public restrooms will not be available.
  • If you do not feel well, please stay home and take advantage of phone or online services. Our staff is ready to serve you from the convenience of your home.

We are focused on bringing you our excellent customer experience in a safe, sanitized, and comfortable environment.

We appreciate your confidence and again, thank you for your loyalty and business. Stay tuned - we are excited to welcome you back.

Alternative Banking Methods

Online Banking - Available 24/7

  • Check your balances
  • Transfer money
  • Pay bills
  • View your eStatements

Register for Online Banking

Mobile Banking - Available 24/7

  • Mobile deposits
  • Check your balances
  • Transfer money
  • Pay your bills

Digital Wallet - Apple and Google Pay

  • Use your phone to pay for purchases in-store to minimize exposure to other surfaces.

ATM Network:

  • We have the largest network of ATM’s in Jo Daviess County and they will have cash available in them.
    Click Here for Locations

Avoid Scammers

Scammers are taking advantage of fears surrounding the Coronavirus. They're setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. For tips to help you keep the scammers at bay, visit the Federal Trade Commission website. Remember, Apple River State Bank or First Community Bank of Galena will never call you asking for your card number, personal PIN or account number(s). Please contact any of our bank offices immediately if you receive such a call requesting this Information.

Steps to Staying Healthy

Our priority is the safety and health of our customers, employees, and community while ensuring excellent service operations for our customers throughout this outbreak as well as compliance with governmental regulations and public health guidance. We want to assure you that Apple River State Bank has taken several measures to protect you and our employees:

1.To help prevent the spread of viruses, we’ve increased the precautions beyond those that we use each year during flu season. Employees are encouraged to wash their hands often, and while we have always made hand sanitizer available for customers and employees, we’ve added more and placed them in prominent locations.

2. Employees in support positions will have the ability to work from home or other remote locations, which will help keep operations functioning. As always, any employees who are feeling ill are encouraged to stay home, and we have taken additional steps to sanitize work areas.

3. If you’d rather not visit us at our branches, we’ll understand – but remember that you can bank with us in lots of other ways.

  • We encourage drive-up as a great way to conduct transactions.

  • You can also do much of your banking online at and you can deposit checks and transfer funds through our mobile app.

  • Use ACH and direct deposit to ensure your paychecks and social security deposits are secure and uninterrupted.

  • Talk with us by phone at (815) 777-6300.

  • Utilize one of over 30 ATM machines in Jo Daviess County. Click here for locations.

  • If you are not feeling well, we strongly encourage you to utilize any of these options as opposed to coming into the branch.

4. If you do visit one of our offices, you may see signs of additional protections. For instance, you may see some bankers wearing gloves when handling cash. And while we’re always happy to see you, we may choose a friendly wave over a handshake for the time being.

5. When possible use your debit card instead of handling cash. This may help reduce your risk of exposure.

6. As always, if we need to communicate quickly with you, we can reach you through our website, by email, phone, and some communications over Facebook. Please make sure that we have your up-to-date contact information so that we may be able to quickly contact you in the case of an emergency or fraud detection.

The CDC recommends precautions to keep you and your family healthy. More information can be found on the CDC website

As many of you know, this is an evolving health situation and we will continue to adapt to the conditions and will remain active and financially strong within our community.


Staying connected with our customers is a big source of this strength, so feel free to call us anytime at 815-777-6300. Be assured that the health of our clients and staff is the number one priority.