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Checking Accounts

Checking Made Easy

At First Central State Bank, our checking account options come loaded with free tools and features to help you manage your finances with ease.

    Unlimited Transactions Interest Bearing Cash Back Refunds on ATM fees Free Mobile and App Banking
Kasasa Cash Earn 1.00% APY and refunds on your ATM fees, nationwide.* x x   x x
Kasasa Cash Back Pays cash back up to 3.00% on your debit card purchases and refunds on your ATM fees nationwide.* x   x x x
Kasasa Saver A high-interest account that connects to your Kasasa® checking. x x     x
Standard Checking A no cost, non-interest bearing checking account. x       x
First With Interest Checking An interest-bearing checking account. x x     x
First Class Checking Senior Citizens age 60+ with Direct Deposit are excluded from fees.         x
Health Savings Account HSA A special checking account that offers tax savings for those covered under high deductible health insurance plans.   x     x

Personalized Checking Account Options

First Central State Bank offers checking account options for every consumer need. Always the best local service, always here.  

 

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  • Kasasa Cash

    Free Kasasa Cash® checking pays you in ways that matter. Earn 1.00% APY and refunds on your ATM fees, nationwide.*

    Connect your Kasasa Cash account to a free Kasasa Saver® to build your savings automatically. Choose free Kasasa Cash checking at First Central State Bank.

    • Free checking that rewards you with high interest
    • 1.00% APY* on balances up to $15,000
    • 1.00% to 0.28% APY on balances over $15,000 depending on balance in account*
    • 0.05% APY* if eligibility requirements aren't met
    • Refunds on ATM fees nationwide (unlimited)*
    • Can link to high-interest Kasasa Saver account
    • No minimum balance to earn rewards
    • No monthly service fee
    • Free online banking & bill pay
    • Free mobile banking
    • Free eStatements
    • Free MasterCard® debit card
    • Free telephone banking
    • Unlimited check writing
    • A deposit is required to open account
    • Online eStatements are required

     

    It's Easy to Earn Rewards

    Just do some banking basics that you're probably already doing (we call them eligibility requirements)! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each qualification cycle:

    • Have at least 10 check card transactions posted and settled to your account
    • Have at least 1 direct deposit or ACH Auto Debit posted and settled
    • Receive your monthly statement electronically

    That's all! Even if you don't qualify during a month, your Kasasa Cash account is free. And you can get right back to earning your rewards the very next month by meeting the above requirements!

    Disclaimer

  • Kasasa Cash Back

    Free Kasasa Cash Back pays cash back up to 3.00% on your debit card purchases. and refunds on your ATM fees.*

    You go shopping, we reward you for it. Free Kasasa Cash Back checking pays 3% cash back (up to $9) on your everyday check card purchases each month.*

    Benefits

    • Free checking that rewards you with cash back
    • 3% cash back on check card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $9 cash back per month
    • Refunds on ATM fees, nationwide (unlimited)*
    • Link to Kasasa Saver to build savings automatically
    • No monthly service fee
    • No minimum balance to earn rewards
    • Free online banking & bill pay
    • Free mobile banking
    • Free eStatements
    • Free MasterCard® debit card
    • Free telephone banking
    • Unlimited check writing
    • A deposit is required to open account
    • Online eStatements are required

    Eligibility Requirements

    • Have at least 10 debit card transactions posted and settled to your account 
    • Have at least 1 direct deposit or ACH Auto Debit posted and settled 
    • Receive your monthly statement electronically 

    Here's the qualification cycle for Kasasa Cash Back.

    Disclaimer

  • Kasasa Saver

    Make saving money easier with our free Kasasa Saver®, a high-interest account that connects to your checking. Your balance is rewarded each month, and moved directly to your savings account.

    Benefits

    • Deposit required to open account 
    • No minimum balance to earn rewards 
    • No monthly service charges 
    • Free online and mobile banking 
    • Secure electronic statements (required) 
    • Free account that builds your savings automatically 
    • Linked to free Kasasa Cash or Kasasa Cash Back account 
    • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings 
    • 0.50% APY* on balances up to $35,000 
    • 0.50% to 0.27% APY on balances over $35,000 depending on balance in account* 
    • 0.05% APY* if eligibility requirements are not met on Kasasa Cash or Kasasa Cash Back 

     

    It's Easy to Earn Rewards

    Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. As a reminder, to earn your rewards simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each qualification cycle:

    • Have at least 10 check card transactions posted and settled to your account
    • Have at least 1 direct deposit or ACH Auto Debit posted and settled
    • Receive your monthly statement electronically

    Disclaimer

  • Standard Checking

    Want all the basics at no cost? This non-interest bearing checking account is perfect for you.

    Benefits

    • Deposit required to open account 
    • No minimum balance 
    • No monthly service charges 
    • ATM/Debit card  $5/month (students 22 and younger exempt)
    • Secure electronic statements 
    • Free online and mobile banking 
    • Online bill pay 
    • No initial set up fee 
  • First With Interest Checking

    An interest-bearing checking account.

    Benefits

    • No monthly fees with a $1,000 minimum daily balance or $2,000 monthly average balance (Otherwise $10 per month)
    • Check images: $5/month (Fee is waived if the daily minimum balance is maintained or if e-statements are received)
    • Unlimited transactions
    • Variable interest rate computed on daily balance and paid monthly
    • VIP/VIP Plus members are excluded from all charges
  • First Class Checking

    Senior Citizens age 60+ with Direct Deposit are excluded from fees.

    Benefits

    • No fee with $350 daily minimum balance or $2000 monthly average ($3/month and .30/debit fee over 20 debits will be incurred if balance requirements are not met)
    • Check images: $5/month. (Fee is waived if the daily minimum balance is maintained or if e-statements are received)
    • Check Card: $1.50/month
    • VIP/VIP Plus members are excluded from all charges
  • Health Savings Account

    Health Savings Account (HSA) is a special checking account that offers tax savings for individuals and families who are covered under high deductible health insurance plans. 

    Benefits

    • Tax savings for those who are covered under high deductible health insurance plans 
    • Free debit card (Health) 
    • No fee for six withdrawals per month. $1.00 per withdrawal over six. 
    • Variable interest rate computed on daily balance and credited monthly 
    • Monthly maintenance fee $3.00 

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. 

Clinton

Angie Melvin Clinton Lincoln Way

Angie Melvin
amelvin@firstcentralsb.com
563-242-2265

Tammy Harvey Clinton N Second Street

Tammy Harvey
tharvey@firstcentralsb.com
563-242-2265

Laura Howard Clinton North Second Street

Laura Howard
lhoward@firstcentralsb.com
563-242-2265

Madonna Obren Clinton North Second Street

Madonna Obren
mobren@firstcentralsb.com
563-242-2265

DeWitt

Kaytlinn Barr DeWitt

Kaytlinn Barr
kbarr@firstcentralsb.com
563-659-3141

Rebecca Edwards DeWitt

Rebecca Edwards
redwards@firstcentralsb.com
563-659-3141

Tammy Laursen DeWitt

Tammy Laursen
tlaursen@firstcentralsb.com
563-659-3141

Eldridge

Samantha Hartwig Eldridge

Samantha Hartwig
shartwig@firstcentralsb.com
563-285-2033

Brandi Lord Eldridge

Brandi Lord
blord@firstcentralsb.com
563-285-2033

Wanda Ward Eldridge

Wanda Ward
wward@firstcentralsb.com
563-285-2033

Gwen Rhodes, First Central State Bank

Gwen Rhodes
grhodes@firstcentralsb.com
563-285-2033

Goose Lake

Rhonda Lorenzen Goose Lake

Rhonda Lorenzen
rlorenzen@firstcentralsb.com
563-577-2261

LeClaire

Brad Baldwin LeClaire

Brad Baldwin
bbaldwin@firstcentralsb.com
563-289-2265