FCSB Banking Services

BANKING SERVICES

Explore First Central State Bank’s Banking Solutions First Central State Bank offers a suite of personal, private, and business banking services designed to accommodate all of your financial needs.

Visit www.firstcentralsb.bank to learn more!

PERSONAL BANKING

FINANCIAL SOLUTIONS FROM FIRST CENTRAL STATE BANK Whether you’re just starting out, getting ready to retire or somewhere in between, First Central State Bank has personal banking options perfect for you.

Checking Accounts

First Central offers a number of checking account options so you can choose the one that fits your needs.

Kasasa Cash – A free account that allows you to earn interest on balances and refunds on ATM fees nationwide when certain requirements are met.* Kasasa Cash Back – A free account that pays cash back on debit card purchases and refunds on ATM fees nationwide when certain requirements are met.* Standard Checking – Features no-cost, no minimum balance, and no monthly service charges.

First With Interest Checking – Interest-bearing account with no fees on $1,000.00 minimum daily balance or $2,000.00 monthly average balance.

First Class Checking – Designed for people 60+ with no fee on $350.00 daily minimum balance or $2,000.00 monthly average.

Savings Investments

Saving is easy with a First Central savings account.

Multiple account choices allow you to customize your accounts to help achieve your savings goals.

Kasasa Saver – A free account linked to your Kasasa Cash or Kasasa Cash Back account. Utilizing automatic transfers into your Saver account makes saving simple and convenient.

Savings Account – Our savings account features a variable interest rate and no fee with a $100.00 monthly minimum balance.

Packy Panda Kids Club – Children 10 and younger can begin saving and learning about money with our special Packy Panda Kids Club account. Enjoy a free gift at account opening, plus special events and other fun benefits. No minimum deposit and no required balance.

Health Savings Account (HSA) – A special checking account that offers tax savings for those covered under high-deductible health insurance plans. * Visit www.firstcentralsb.bank or contact an employee for further information about applicable rates and terms.

Loans

Our experienced lenders will work with you to ensure you are getting personal service and the best loan for your individual needs.

Auto Loans – Finance your new or used vehicle with a community bank you trust. Take advantage of our pre-approval to save time and hassle at the dealership.

Consumer Loans – First Central offers convenient financing for recreational vehicles, boats, education, vacations, furniture, or other personal needs.

Convenience Services

Online Banking – Access your accounts anytime day or night, right from your computer. Pay bills, view check images, stop payments, transfer funds, order checks, and more! eStatements – A secure, convenient way to view current and past bank statements through your online banking account.

Mobile Banking – Bank on-the-go with our First Central Mobile App. Deposit checks, view transactions, check balances, transfer funds, pay bills, and more, right from your smartphone.

Text Banking – Receive account balances, history, and transfer funds between accounts.

Mortgage Loans – We have several options to match your goals to the best possible terms, including Conventional, Adjustable-rate (ARMs), FHA, VA, USDA, Iowa Finance Authority, construction, bridge, land loans, and more. Our mortgage preapproval program ensures you can shop with peace of mind, knowing you have financing in place.

Telephone Banking – Access account information 24 hours a day by calling 1-800-548-3002.

Home Equity Loans and Lines of Credit (HELOC) – First Central offers both fixed-rate and variable line of credit (HELOC) home equity loans. Rates are typically only slightly higher than a mortgage loan, and funds can be used for a number of expenses, such as home improvements, education, debt consolidation, and more.

Investor’s Advantage Money Market – This variable interest rate money market account features unlimited deposits and no monthly fee with a $2,500.00 minimum daily balance.

Agricultural Loans – We provide Eastern Iowa farmers with personalized loans for operating, livestock, machinery, facilities, and real estate financing needs.

Commercial Loans – Our lenders are knowledgeable about SBA guaranteed loans and other types of commercial loans for equipment, working capital, and real estate.

Student Loans – We have partnered with ISL Education Lending to offer a supplemental private student loan program to assist with the cost of education.

Credit Cards

Our credit cards provide First Central customers with convenience and selection. Choose rewards of cash, travel, and merchandise, or stick to a simple low rate, no frills card.

Investments

There are ample ways to build your wealth with First Central State Bank.

Certificates of Deposit – A safe, guaranteed return on your investment makes our CDs a great option to help you save for the future. Flexible maturities from six months to five years.

CDARS – First Central participates in the Certificate of Deposit Account Registry Service (CDARS) program, allowing you to enjoy full FDIC insurance on deposit amounts that exceed current FDIC limits.

Roth and Traditional IRA – Roth IRAs allow after tax dollars to be saved for retirement. Traditional IRAs offer immediate tax benefits with qualified contributions being tax deductible.

Coverdell Education Savings Account – A beneficial nondeductible account that features tax-free withdrawals for the specific purpose of a child’s higher education expenses.

Simplified Employee Pension (SEP) – A retirement investment plan primarily developed to assist small business owners and farmers with retirement plans for themselves and their employees.

BUSINESS BANKING BUSINESS FINANCIAL SOLUTIONS FROM FIRST CENTRAL STATE BANK Let First Central State Bank help you start, grow, and manage your business.

Checking Accounts First Central State Bank offers a number of business checking account options so you can choose the one that fits your needs. Debit cards can be added for fast and secure access to account funds.

First Business Checking – Small businesses will love the ease of this account that provides checking services for accounts with low balances and minimal activity.

Commercial Super NOW Checking – Special account available for sole-proprietors, non-profits, and government entities.

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$500.00 miniumum daily balance

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$2,500.00 daily collected balance*

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No monthly fee when minimum balance maintained

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No monthly fee when minimum balance maintained*

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First 75 debits and 300 deposited items free

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First 75 debits and 300 deposited items free

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Includes monthly eStatements with check images and online banking

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Interest paid on balances over $2,500.00

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Includes monthly eStatements with check images and online banking

Commercial Business Checking – Convenient account for mid to large businesses with heavy account activity.

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$2,500.00 daily collected balance or $5,000.00 monthly average balance

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No monthly fee when minimum balance maintained

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First 150 debits and 1,000 deposited items free

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Includes monthly eStatements with check images and online banking

*waived for documented non-profits

Business Loans

Deposit and Investment Accounts

Our experienced lenders will work with you to ensure you are getting personal service and the best loan for your business.

There are ample ways to build your wealth with First Central State Bank.

Commercial Loans – Our lenders are knowledgeable about SBA guaranteed loans and other types of commercial loans for equipment, working capital, and real estate.

Agricultural Loans – We provide Eastern Iowa farmers with personalized loans for operating, livestock, machinery, facilities, and real estate financing needs.

Lines of Credit – Establishing a line of credit ensures you have fast access to cash to address any business expense that arises.

Commercial Real Estate and Construction Loans – We have several options to match your goals to the best possible terms.

Convenience Services Manage your accounts with our convenient, secure electronic banking services.

Basic Business Online Banking – Access your accounts anytime day or night, right from your computer. Pay bills, transfer funds, access bank statements, and more!

Treasury Management Solutions – Our Treasury Management team delivers a comprehensive suite of services for your business. Originate ACH electronic transactions and direct deposit payroll, utilize positive pay and ACH debit filter.

Enjoy advanced business online banking with multiple users’ accessibility, flexible user rights management, restricted access, multiple account control, remote deposit capture, and more. eStatements – A secure, convenient way to view current and past bank statements though your online banking account.

Mobile Banking – Bank on-the-go with our First Central Mobile App. Deposit checks, view transactions, check balances, transfer funds, and more, right from your smart phone

Baldwin 563-673-5711 4726 50th Avenue Baldwin, IA 52207

Savings Account – Saving is easy with a First Central savings account. Multiple account choices allow you to customize your accounts to help achieve your savings goals.

Certificates of Deposit – CDs are a fixed rate, safe and secure investment product. We offer flexible maturities ranging from six months to five years. Interest is compounded and credited semi-annually.

CDARS – First Central participates in the Certificate of Deposit Account Registry Service (CDARS) program, allowing you to enjoy full FDIC insurance on deposit amounts that exceed current FDIC limits.

Investor’s Advantage Money Market – $2,500.00 minimum daily balance and variable interest rate.

Sweep Account – Make the most of your money with this special cash management account designed to provide higher interest rates on excess funds. Funds over a targeted balance are automatically transferred and invested on a daily basis.

Repurchase Agreements and Repo Sweeps – Talk to our experienced staff to determine if these additional investment account options are right for you. Deposits under this agreement are protected or collateralized by providing a security interest in a U.S. Treasury or Agency security owned by the bank.

Credit Cards Our credit cards provide your business a variety of card options to fit your preferences. Cards can be issued to individual employees with credit and cash limits set by the business owner.

FREE REWARDS CHECKING

EARN INTEREST AND CASH WITH A FREE KASASA® CHECKING ACCOUNT First Central State Bank’s interest-earning checking accounts are an easy way to put your money to work for you while also maintaining access to funds.

Kasasa checking accounts provide competitive rewards and benefits, along with local, personalized service. Let us help you select the account that best fits your individual needs.

Kasasa Cash*

Kasasa Cash Back*

Our free Kasasa Cash high-yield checking account allows you to earn interest on balances, plus many other benefits. This account is ideal for individuals who like the security of keeping higher balances in their account, and still want to earn interest on their funds.

Our free Kasasa Cash Back account pays cash back on everyday debit card purchases. This account is ideal for individuals who keep lower account balances and use their account regularly.

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Earn higher interest on balances up to $15,000 when eligibility requirements are met No minimum balance to earn rewards

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Refunds on ATM fees nationwide Free debit card

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Free mobile banking and eStatements

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Kasasa Saver Compliment your Kasasa checking account with a Kasasa Saver.

When you earn your Kasasa Checking rewards, you get a higher Kasasa Saver rate too. A free Kasasa Saver account offers:

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Higher rates on balances up to $35,000 No minimum balance to earn higher rate Earn interest even if you don’t meet the checking account eligibility requirements that month

Earn cash back on debit card purchases when eligibility requirements are met Earn up to $9 cash back each month No minimum balance to earn rewards

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Refunds on ATM fees nationwide Free debit card Free mobile banking and eStatements

*- To earn your rewards, just do the following activities and transactions in your Kasasa Checking account each qualification cycle:

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Receive your monthly statement electronically (eStatements) Have 10 or more point of sale debit card purchases posted and settled in your account Have at least one direct deposit or ACH auto debit posted and settled in your account

Even if you don’t qualify during a month, your Kasasa account is free. You can get right back to earning your rewards the next month by meeting the above requirements.

MOBILE BANKING Mobile Mobile banking banking is is aa secure secure and and convenient convenient way way to to manage manage your your finances. finances.

Download Download and and enroll enroll quickly quickly and and easily easily on on your your computer computer or or mobile mobile device. device.

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Search Search -- First First Central Central State State Bank Bank Click ‘Get’ or ‘Install’ Click ‘Get’ or ‘Install’ to to download download Our Our app app will will now now appear appear on on your your mobile mobile device! device!

Logging Logging In In

It’s It’s easy! easy! Simply Simply enter enter the the same same Login Login ID ID and and Password you use for your Online Banking Password you use for your Online Banking account. account.

Don’t Don’t have have one? one? That’s That’s okay! okay! Click Click ‘Enroll ‘Enroll now’ now’ and follow the necessary instructions. and follow the necessary instructions.

NOTE: NOTE: The The first first time time you you log-in log-in using using your your device you will be required to receive device you will be required to receive aa secure secure access access code. code. Please Please wait wait aa few few seconds seconds for for the the communication, communication, input input and and submit! submit!

eStatement eStatement Enrollment Enrollment

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Viewing Viewing eStatements eStatements

After After enrollment enrollment you you may may access access eStatements eStatements immediately! immediately!

NOTE: NOTE: The The first first time time you you view view your your statements statements you will be prompted to receive you will be prompted to receive aa code. code. Simply Simply copy copy and and paste paste the the code code into into the the designated designated field field in in order order to to continue. continue.

Touch Touch ID ID or or Passcode Passcode

This This convenient convenient security security preference preference makes makes logging into your Mobile logging into your Mobile Banking Banking easier easier than than ever! ever!

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1. Menu Menu >> Settings Settings 2.

Security 2. Security Preferences Preferences 3.

Turn ON 3. Turn ON Touch Touch ID ID 4.

Continue 4. Continue 5.

5. Insert Insert Login Login ID ID && Password Password 6.

Authorize 6. Authorize

Mobile Mobile Bill Bill Pay Pay

Are Are you you currently currently paying paying your your bills bills via via paper paper checks or your desktop computer? checks or your desktop computer? Simply Simply follow follow aa few few easy easy steps steps to to pay pay these these on on your your mobile mobile device! device!

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1. Menu Menu >> Settings Settings 2.

Bill Payment 2. Bill Payment 3.

3. Select Select the the appropriate appropriate account account 4.

Enroll in Bill Pay 4. Enroll in Bill Pay Click Click ‘Manage ‘Manage my my bills’ bills’ to to add add companies companies or or individuals. individuals.

Mobile Mobile Check Check Deposit Deposit 1.

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Menu Menu >> Mobile Mobile Deposit Deposit >> Mobile Mobile Deposit Deposit Enrollment Enrollment Complete Complete Mobile Mobile Deposit Deposit Enrollment Enrollment Log Out and Log back In Log Out and Log back In Menu Menu >> Mobile Mobile Deposit Deposit >> Deposit Deposit Check Check

Menu Menu >> Settings Settings Statement Statement Delivery Delivery Select ‘eStatements’ Select ‘eStatements’ Enter Enter email email address address for for statement statement availability notifications availability notifications Accept Accept && Save Save

Clinton Lincoln Way Clinton Lincoln Way 563-242-2265 563-242-2265 2600 Lincoln Way 2600 Lincoln Way Clinton, IA 52732 Clinton, IA 52732

Clinton N. 2nd St. Clinton N. 2nd St. 563-242-2265 563-242-2265 1427 N. 2nd Street 1427 N. 2nd Street Clinton, IA 52732 Clinton, IA 52732

DeWitt DeWitt 563-659-3141 563-659-3141 914 6th Avenue 914 6th Avenue DeWitt, IA 52742 DeWitt, IA 52742

Eldridge Eldridge 563-285-2033 563-285-2033 500 E. LeClaire Rd. 500 E. LeClaire Rd. Eldridge, IA 52748 Eldridge, IA 52748

Goose Lake Goose Lake 563-577-2261 563-577-2261 223 Main St. 223 Main St. Goose Lake, IA 52750 Goose Lake, IA 52750

Go Go to to www.firstcentralsb.bank www.firstcentralsb.bank to to learn learn more more or or download download the the app app today! today!

LeClaire LeClaire 563-289-2265 563-289-2265 1291 Eagle Ridge Rd 1291 Eagle Ridge Rd LeClaire, IA 52753 LeClaire, IA 52753

8/3/23 8/3/23FCSB FCSB- Mobile - MobileBanking BankingHandout Handout8.58.5x 11 x 11Flyer Flyer

Download Download the the FREE FREE app app

your Kasasa Cash or Kasasa Cash Back account on the last day of the statement cycle and then

and all must do so during the qualification cycle in order to qualify for the account’s rewards. The

automatically transferred to your Kasasa Saver account on the following day. Consequently,

following activities do not count toward earning account rewards: ATM-processed transactions,

when linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account

transfers between accounts, and debit card purchases processed by merchants and received

does not compound since it is automatically transferred to the Kasasa Saver account. When

by the bank as ATM transactions. “Qualification cycle” means a period beginning one business

linked to Kasasa Saver, and your Kasasa Cash eligibility requirements are met, balances up to

day prior to the first day of the current statement cycle through one day prior to the close of

$15,000 in your Kasasa Cash account receive a non-compounding APY of 3.93%; and balances

the current statement cycle. When your Kasasa Cash eligibility requirements are met during a

over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000, resulting in a

qualification cycle, Kasasa Cash balances up to $15,000 receive an APY of 4.00%; and balances

non-compounding range from 3.93% to 0.72% APY depending on the account’s balance (0.72%

over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000, resulting in

is a weighted average APY, assuming a hypothetical daily balance of $100,000, with 3.93% APY

a range from 4.00% to 0.73% APY depending on the account’s balance (0.73% is a weighted

paid on the first $15,000 and 0.15% interest rate paid on the next $85,000). When Kasasa Cash

average APY, assuming a hypothetical daily balance of $100,000, with 4.00% APY paid on the

or Kasasa Cash Back eligibility requirements are not met ATM fees are not refunded, all balances

first $15,000 and 0.15% APY paid on the next $85,000). When your attached Kasasa Cash or

in your Kasasa Cash account and in your Kasasa Saver account earn 0.05% APY and 0.05% APY

Kasasa Cash Back eligibility requirements are met during a qualification cycle, Kasasa Saver

respectively, and no Kasasa Cash Back payments are made. APY = Annual Percentage Yield.

balances up to $35,000 receive an APY of 0.50%; and balances over $35,000 earn 0.15% interest

APYs accurate as of 7/18/2023. Rates and rewards are variable and may change after account

rate on the portion of the balance over $35,000, resulting in a range from 0.50% to 0.27% APY

is opened. Fees may reduce earnings. Account approval, conditions, eligibility requirements,

depending on the account’s balance (0.27% is a weighted average APY, assuming a hypothetical

limits, timeframes, enrollments, and other requirements apply. If you do not opt in for online

daily balance of $100,000, with 0.50% APY paid on the first $35,000 and 0.15% APY paid on the

statements within 60 days of account opening, or if you opt out of online statements at any

next $65,000). When Kasasa Cash Back eligibility requirements are met during a qualification

time, we reserve the right to reclassify your account to a non-Kasasa account. You must make a

cycle, you will receive 3.00% cash back on debit card purchases that post and settle to the account

deposit to open a Kasasa Cash, Kasasa Cash Back, or Kasasa Saver account. We reserve the right

during that cycle period. A maximum of $9.00 cash back may be earned per qualification cycle.

to limit Kasasa Cash and Kasasa Cash Back accounts to two each per social security number and

You will receive reimbursements for nationwide third-party ATM fees incurred on your Kasasa

Kasasa Saver accounts to four per social security number. There are no recurring monthly service

Cash or Kasasa Cash Back account during the qualification cycle in which you qualified. An ATM

charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is

receipt must be presented within 30 calendar days of the statement cycle for reimbursements

required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic

of individual ATM fees of $5.00 or higher. We will refund a maximum total of $30 in ATM fees

savings. Contact a bank representative for additional information, details, restrictions, processing

per qualification cycle. Interest, ATM fee reimbursements, and cash back will be credited to

limitations and enrollment instructions.

02/16/24 FCSB Banking Services

*Account transactions and activities may take one or more days to post and settle to the account