Review on Thebankhere
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About Thebankhere
TheBankHere.com is the official website of Fairfax State Savings Bank, a U.S.-based community bank headquartered in Fairfax, Iowa. On its site, the bank promotes a full suite of financial services: personal checking and savings accounts, certificates of deposit (CDs), consumer loans, mortgages, business banking, and agribusiness lending. It also offers modern conveniences such as online banking, mobile banking, bill pay, Zelle payments, financial calculators, and retirement account services. The bank has physical branch locations in Fairfax, Amana, and Cedar Rapids, Iowa. Contact information, including phone numbers, mailing address, and email, are clearly listed, which lends transparency. TheBankHere.com appears professionally built, with a privacy policy, mobile app policy, and a blog. Leadership is defined (for example, Holly Zimmerman, VP of Commercial Banking), and the institution emphasizes local, community-focused banking.
More Details
In-depth Legitimacy Analysis
After a thorough review of the available information, TheBankHere.com (Fairfax State Savings Bank) appears to be legitimate and not a scam. Here’s why:
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Established Institution: The bank traces its roots back to 1924. That's nearly a century of operational history, which is a strong indicator of legitimacy.
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Regulated & Insured Presence: It has a physical address, phone numbers, and is listed in banking association directories.
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FDIC / Insurance Risk: Although the review doesn’t explicitly mention FDIC insurance on every page, the fact that it is a savings bank with physical branches strongly suggests deposit insurance, as is standard in U.S. community banks.
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Professional Digital Infrastructure: The website is professional, with secure online banking, mobile app, Zelle integration, detailed privacy policy, and contact forms.
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Corporate Transparency: Executives are named, there's an “About Us” section, and senior staff have verifiable credentials (e.g., Holly Zimmerman, NMLS #).
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Financial Products with Real Rates: The bank openly publishes its account rates, which are realistic and not “too good to be true.”
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Community Integration: Local press, banking association listings, and its presence in local directories confirm this is not a fly-by-night “internet-only” scammer.
Counterpoints: No obvious red flags associated with typical scam banks (e.g., no phishing-style fake promises of huge returns, no anonymous ownership, no exotic domain names). The domain is consistent (“thebankhere.com”), not some randomly generated or misleading URL.
Therefore, the weight of evidence strongly supports that TheBankHere.com is a real, functioning community bank, not a scam.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of Thebankhere
Pros
- Wide Range of Services: Personal, business, and agriculture banking products; online banking; Zelle; retirement planning.
- Transparency: Clear contact details, leadership bios, published rates, and detailed policies.
- Security: Use of standard secure practices (HTTPS, mobile privacy) and the presence of a robust online platform.
- Mobile Integration: A mobile app powered by a reputable provider (Fiserv), with real-time balance, check deposit, alerts, etc.
Cons
- Low Yield: Savings and checking account interest rates are very modest, which may dissuade customers seeking high returns.
- Limited Physical Footprint: Only a few branches (Fairfax, Amana, Cedar Rapids), which may not be convenient for everyone.
- Digital Limitations: As a smaller bank, it may have fewer resources for large-scale tech innovation compared to megabanks.
Website Overview
Country:
USA
Operating Since:
2002
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
Physical Presence & Address The contact page lists a real street address: 409 Vanderbilt Street, Fairfax, IA 52228. There are branch locations in Cedar Rapids and Amana, Iowa. The phone numbers given (319‑846‑2300 and toll-free 1‑877‑FAIRFAX) match publicly available business listings.
Regulation & Credibility The bank appears on Bloomberg with a proper company profile showing its incorporation and location. It is listed in Iowa Bankers Association member directory. The routing number (073913195) is displayed on the website, which is consistent with real U.S. banks.
Products & Services They provide agribusiness loans, which signals specialization in farm financing. Zelle integration: the site supports sending and receiving money via Zelle. They have online banking, e‑statements, and a mobile app. Rates are published: for example, their Super NOW Checking account has very low APY (0.01%) for balances under $2,500.
Transparency & Governance Senior leadership is named: e.g., Holly Zimmerman is VP of Commercial Banking with NMLS number. There is a mobile privacy policy that explains how personal data (such as SSN, account numbers, device data) is collected via their app. The blog has educational content (e.g., safe online shopping, cybersecurity).
Overall Score
70%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
Fairfax State Savings Bank (operating under TheBankHere.com) comes across as a stable, well-established, and community-oriented bank. Its nearly 100-year history, physical branch locations, and detailed online presence show that it is a serious institution, not a fly‑by‑night digital scam. While interest rates are low — typical for many small community banks — the transparency of its operations, its full suite of services (personal, business, agribusiness), and modern digital offerings (mobile app, Zelle, online banking) make it a credible and legitimate choice for customers who value local banking relationships and personal service.
If you're looking for a high-yield online-only bank, this may not be your first pick. But if you want a trusted, community bank with modern features and a personal touch — TheBankHere.com is very much legitimate.
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