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Online | Mobile Services

With our online banking and app options, you can do all of your banking from your couch. Confidently manage your entire financial life with all the information and features you need at your fingertips.

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  • Personal Online Banking

    • View account balances
    • View images of checks
    • Issue stop payments
    • Transfer funds between accounts
    • Order checks
    • Pay bills
    • Quicken support
    • Customize notifications for “e-minders” of special dates, events, etc.
  • Personal Mobile Apps

    Bank anytime, anywhere with our mobile banking app — designed for your smart phone or tablet device. 

    • View transactions and account history
    • Check account balances
    • Transfer funds
    • Send secure messages to the bank
    • Deposit checks
    • Pay bills

    Our mobile apps are available to download in the Apple App Store or Google Play Store, for free.

  • Mobile Wallet

    Now you can use your First Central State Bank MasterCard® Debit Card with a supported device to make purchases at stores and participating apps with a quick tap of your phone.

    Introducing Apple Pay®, Samsung Pay®, and Android Pay®. Instead of using your actual debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. AND when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual debit card numbers are never shared by Apple, Samsung or Android with merchants or transmitted with payment.

    In addition, paying with your phone is private as the cashier never sees your name, card numbers or security code.


    • Open preinstalled Wallet App and click on +
    • Capture a photo of your card
    • OR enter your card information manually
    • Call phone number for verification purposes
    • Complete card verification process

    *Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay-enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries, iPad Pro is a trademark of Apple Inc. MasterCard is a registered trademark, and the circles design is a trademark of MasterCard International Incorporated.


    • Navigate & touch Apps > Samsung Pay
    • Register your fingerprint OR four digit PIN
    • Navigate to & touch ADD > Add a debit card
    • Capture a photo of your card
    • OR enter your card information manually
    • Call phone number for verification purposes
    • Complete card verification process

    MasterCard is a registered trademark, and the circles design is a trademark of MasterCard International Incorporated. All third party trademarks and logos shall belong to their respective owners. Samsung, Samsung Pay, Galaxy s7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated, actual appearance may vary. Samsung Pay is available on select Samsung devices.


    • Open the Android Pay app and tap +
    • Tap Add a debit card
    • Capture a photo of your card
    • OR enter your card information manually
    • Call phone number for verification purposes
    • Complete card verification process

    *Android Pay is compatible with NFC and HCE-enabled devices running KitKat 4.4 and above. Learn more at Android, Android Pay, and Android Logo are trademarks of Google Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    Steps on adding your First Central State Bank MasterCard® Debit Card may vary. Contact us for details

  • SecurLOCK


    The power to PROTECT YOUR CARDS is in your hands.

    SecurLOCK Equip is a mobile app that allows you to control how, when and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

    How do I get the SecurLOCK Equip app?

    1. Download the FREE app from the Apple Store. If you have an Android phone you download the FREE app from the Google Play store.
    2. Once the app has successfully downloaded to your smartphone you can begin to register your First Central State Bank debit cards.

    Questions? Contact us if you need assistance. 

  • Mobile Check Deposit

    Banking in the palm of your hand.

    • Deposit a check into your eligible bank account using your smart phone app
    • Available to all consumer and Basic Business customers with eligible accounts
    • Checks must be payable in US dollars drawn on any US bank or credit union and can include personal, business and government checks
    • Cutoff time for checks deposited is 4:00 PM CST on banking days
    • Daily deposit limit of $2,500
    • Weekly deposit limit of $5,000
    • For additional information and detailed instructions, visit our Mobile Check Deposit FAQ
  • P2P | Person-to-Person Payments

    Send money to almost anyone with easy and secure Person-to-Person (P2P) Payments.

    P2P Payments are a digital cash alternative that makes sending and receiving money as easy as emailing and texting. Whether it's paying allowance, splitting the check or sending a birthday gift, P2P Payments are a secure method to send money to another person through Online or Mobile Banking. You can pay a friend, relative, landlord - almost anyone - instantly.

    All you need to get started is a First Central State Bank MasterCard Debit Card and your recipient's email address and/or cell phone number.

    1. Click "P2P" in your Online Banking or Mobile Application under Transactions
    2. Enter your Name, Email Address and Debit Card Number (Initial setup only)
    3. Enter Recipient's Name and Email Address or Mobile Number
    4. Enter Your Existing Debit Card Pin

    How it Works

    1. You initiate a payment from any device.
    2. The recipient will then receive an email or text message with a link for instructions to accept the payment.
    3. They can then enter their debit card number. If their financial institution does not participate in this service using their debit card, they are notified and then they can accept the payment by entering their checking account information.
    4. Funds are debited from your account immediately. If the recipient uses their checking account to receive, the funds transfer will take 1-2 business days to credit their account.

    Please review our FAQs or contact us, we will be happy to assist you. In order to be eligible for P2P Payments, you must have a checking account and debit card and have an address in the United States. Your account must be in good standing with no delinquencies. Service not available for Business and H.S.A. accounts.

  • eStatements

    A convenient, secure way to receive your monthly statements. View current bank statements through your online banking account as well as pull past statements.

  • Telephone Banking

    If you do not have Online Banking, you are still able to access your account information 24 hours a day with Telephone Banking by calling 1-800-548-3002. Please hyperlink to that phone number.

  • Online & Mobile Bill Pay

    Pay bills from your personal checking account. No limit to number of bill payments per month.

  • Text Banking

    Check your balance, receive account history, transfer funds between accounts and much more, all with a text.