FCSB’s Cash Management Services have the tools to help you collect money faster, keep it longer, make it work harder, and manage it efficiently; so you can concentrate on running your business.

ACH Payments

Because making payments should be that easy Get greater control over your electronic payments. Our ACH (Automated Clearing House) puts you in charge of your processes, instead of the other way around. Doing so allows your business to electronically process transactions including payroll, vendor payment, club membership dues and so much more. As your business grows, you may want to take advantage of Direct Deposit.  Your employees get their payroll the same day they’re paid – all with complete security. The benefits of Direct Deposit include easier reconciliation, reliability, and control of payment timing, and streamlined processing. Let’s get started, shall we?

Balance Reporting

Stay up to the minute. Need to know your account balances right now? FCSB makes it possible. We’ll automatically reconcile your accounts, provide a completely reconciled statement of monthly activity, and give you immediate access to a daily report of your current and available balances. You can also receive copies of all your canceled checks, or choose to view them online with our check imaging service. Just log in today using your User ID and Password to experience FCSB Online Banking.

Bill Pay

Never use another stamp or visit the post office again to pay bills.  Pay bills to anyone in the United States from the comfort of your home or while on the go with our Billpay service. Download our mobile app or log in to First Online*.  Forget stamps and trips to the post office! With online Bill Pay you can:

  • Pay any bill, anytime.
  • Schedule one-time and recurring payments in advance.
  • Control when and how much you pay.
  • Group payments into categories.
  • Be assured that your payments will arrive on time.

*Your carrier’s standard text/data rates may apply.


Sign up for FREE eStatements today. eStatements are free and arrive faster than they do by mail. Every month you will receive a secure email when your statement is ready to view. Enter your password and review your statement when it is convenient to you. Download and save to your computer, or print it out – your option! Switching from snail-mail to email and enjoy these key features:

  • Faster Delivery
  • Better for the Environment
  • Less Clutter
  • No hassle of storing or shredding paper.

If you are not yet using Online Banking and would like to learn more about it, click here. Simplify your life, save a tree!

Merchant Services

Accept payments and reward customers FCSB’s Merchant Services makes it easy for you to offer customers a variety of payment options – from credit cards and debit cards, to gift cards and checks. FCSB has collaborated with CardWorks Merchant Services, one of the largest and most reliable payment processors in the country, to help you simplify your business operations. Accept major credit cards – and increase sales

  • Accept all major credit cards and debit cards, including Visa®, Mastercard®, American Express®, and Discover®.
  • Choose from traditional, mobile, and virtual POS terminals.
  • Facilitate face-to-face, phone, mail, and online payment processing.

Find out how FCSB credit and debit card merchant processing services can help make it easy. Contact one of our Business Development Officers today or learn more here.

Wire Transfers

Wire Transfers are a convenient and easy way to transfer funds to and from other institutions around the country or around the world. Funds are readily available upon receipt – no check holds, no clearing time. This service is available to our customers only.