Keystone Savings Bank on Your Credit Report
In short: Headquartered in Marengo, Iowa, Keystone Savings Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 17993 dates to April 27, 1935 — a mid-century charter that predates the FCRA. As of the 06/30/2026 call report, Keystone Savings Bank held $201 million in assets and operated 5 FDIC-reported offices. Keystone Savings Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Keystone Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Keystone Savings Bank carries FDIC certificate 17993, operates 5 FDIC-reported offices and reported $201 million in assets on its most recent call report in Marengo, Iowa.
How Keystone Savings Bank appears on your credit report
This tradeline is furnished by Keystone Savings Bank itself, not purchased from another lender, which means the source documents are held in-house. With an Iowa charter and 5 FDIC-reported offices, Keystone Savings Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Iowa
- ◆Purchase-money mortgages and home-equity draws written in the Marengo area
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Keystone Savings Bank entry
Each of these is a reason a Keystone Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Marengo office on time but posted to the next cycle
- ◆Account still showing a balance after Keystone Savings Bank processed the final payment
- ◆Single Keystone Savings Bank account reporting twice following a data migration
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Keystone Savings Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Keystone Savings Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Keystone Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Keystone Savings Bank questions, answered
Does the FDIC insure deposits at Keystone Savings Bank?
Yes — deposits are FDIC-insured under certificate 17993. The FDIC record lists Keystone Savings Bank as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Marengo, IA, chartered April 27, 1935, holding $201 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees Keystone Savings Bank?
Keystone Savings Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Keystone Savings Bank head office in Marengo is the right address for the written record.
How many credit-card complaints does the CFPB show against Keystone Savings Bank?
We do not publish a figure for Keystone Savings Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a Keystone Savings Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Keystone Savings Bank account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Keystone Savings Bank and disputing with a collector?
Go to whoever holds the documents. Keystone Savings Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Keystone Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Will a Keystone Savings Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so Keystone Savings Bank — 5 offices in Iowa — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
Keystone Savings Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Keystone Savings Bank has operated since 1935, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Keystone Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Keystone Savings Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Keystone Savings Bank headquartered, and does that affect my dispute?
Keystone Savings Bank is headquartered in Marengo, Iowa, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Keystone Savings Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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