First Central State Bank is a locally-owned, community bank, which serves personal and business banking needs. It offers services like mortgage lending, personal, business and i-services. Its i-services include mobile banking, online banking and bill pay. The personal banking services offered by First Central State Bank include checking, savings, certificate of deposits, loans, bank cards, retirement planning services, financial calculators, financial advisor services and student services. The bank also offers business financial solutions like agriculture and business financing, cash management, business online banking, business deposit accounts, merchant services, credit cards and remote deposit capture. First Central State Bank offers various fixed rate mortgage loan programs to finance or refinance customer s housing needs, which include mortgage lending and residential mortgage loans.