Business Checking

First Central State Bank checking accounts are designed for any business – of any size.

We are always here to help your business. We offer a variety of business deposit accounts to fit your specific needs, and offer online resources to help you manage them.

First Business Checking
Designed for businesses that have minimal transactions each month.
- $500.00 minimum balance
- $8.00 monthly fee *if balance falls below requirement
- Per debit fee: $.20 per debit after 75
- Per deposit fee: $.10 per item after 300
- Monthly eStatement: With check images
- Paper statement: $5/month
- FREE debit card
Commercial Checking
Designed for mid to large businesses with heavy account activity.
- $2,500 daily collected balance or $5,000 monthly average balance
- Monthly maintenance fee: $12.00 *if balance falls below requirement
- No Charge for “on us” items
- Per debit fee: $.20 per debit after 150
- Per deposit fee: $.10 per item after 1000
- Monthly eStatement: With free check images
- Paper statement: $5/month
- FREE debit card
Commercial Super NOW Checking
Designed exclusively for sole-proprietors, non-profits, and government entities.
- $2,500 daily collected balance*
- Monthly maintenance fee: $8.00 *if balance falls below requirement
- Per debit fee: $.20 per debit after 75
- Per deposit fee: $.10 per item after 300
- No Charge for “on us” items
- Variable interest rate paid if the average collected balance is $2500 or above
- Monthly eStatement: With free check images
- Paper statement: $5/month
- FREE debit card

By phone, email or in person, our First Central State Bank team will go the extra mile in helping you with your financial goals. Please visit or contact our team members listed below. Please do not send sensitive or personally identifiable information via unencrypted email to our team. It is not a secure way to send any information. Thank you.