Business Savings

First Central State Bank savings accounts are designed for any business - of any size.

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

Certificate of Deposit Account Registry Services (CDARS)

Using CDARS, First Central State Bank can provide customers — with CDs in excess of the current FDIC limits — access to additional insurance coverage by distributing customer funds among other FDIC-insured banks. All of this can be accomplished through one portfolio at First Central State Bank and without sharing confidential information with other banks
Certificates of Deposit
Certificate of Deposit (CD's) are a fixed rate, safe, secure deposit.

Benefits
- Flexible maturities from 6 months to 5 years
- Interest compounded and credited semi-annually
Premier Money Market
Designed exclusively for sole-proprietors, non-profits, and government entities.

Benefits
- Tiered interest rate paid on entire balance based on account's collected balance
- Minimum opening deposit of $2,500.00
- Interest computed on the daily balance method
Daily Savings Account
Benefits
- Minimum opening deposit $100.00
- Deposits can be made in person, by mail or directly deposited
Other Deposit Accounts

Sweep Account

Sweep Accounts are cash management accounts designed to provide a higher rate of interest on excess funds. Automatic transfers of funds in excess of the target amount are invested on a daily basis. The target balance in checking is not interest bearing.

Repurchase Agreements & Repo Sweeps

First Central State Bank offers the repurchase agreements as an alternative to certain sweep and investment products. Deposits under this agreement are not FDIC insured but are instead protected or collateralized by providing a security interest in a U.S. Treasury or Agency security owned by the bank.

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.