Checking Accounts
Checking Built for Everyday Life
Whether you're opening your first account, managing a busy household, or planning your next big step, First Central State Bank checking accounts are built for your needs. We can simplify your day-to-day finances while giving you the tools you need to stay in control. Our checking account options come loaded with free tools and features to help you manage your finances with ease.
Get Started in Minutes
Opening an account is fast and easy. No paperwork, no stress—just a smarter way to manage your money. Apply now, or learn more about our checking account options below.
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Kasasa Cash
Free Kasasa Cash® checking pays you in ways that matter. Earn 4.00% 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
- 4.00% APY* on balances up to $15,000
- 4.00% to 0.73% 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 purchases 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!
* See Disclaimer
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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
It's Easy to Earn RewardsJust 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 Back account each qualification cycle:
- Have at least 10 debit card purchases 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 Back account is free. And you can get right back to earning your rewards the very next month by meeting the above requirements.
Here's the qualification cycle for Kasasa Cash Back.
* See Disclaimer
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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
- FREE debit card
- Secure electronic statements
- Free online and mobile banking
- Online bill pay
- No initial set up fee
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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
- FREE debit card
- Variable interest rate computed on daily balance and paid monthly
- VIP/VIP Plus members are excluded from all charges
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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)
- FREE debit card
- VIP/VIP Plus members are excluded from all charges
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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
Here's a handy comparison chart to help determine the checking account that works best for you. Still unsure? We would love to help. Call or stop into a branch location today!
| Unlimited Transactions | Interest Bearing | Cash Back | Refunds on ATM fees | Free Mobile and App Banking | ||
|---|---|---|---|---|---|---|
| Kasasa Cash | Earn 4.00% 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 |
*See Disclaimer