Helping Your Business Is Our Business

important business customer information

Accept Payments

Merchant Services

First State Community Bank’s Merchant Services department makes it easier for you to accept debit/credit card payments. We can tailor a program to fit all of your payment processing needs.
›› Point-of-Sale Terminals 
›› Online, Mobile, & Telephone Payment Acceptance 
›› Custom Gift Cards for Your Business
›› Check Processing 
›› Free Pricing Analysis
›› Competitive Rates 
›› Local Support 
›› Variety of Equipment Options 

Remote Deposit Capture (RDC)

Spend less time depositing checks and more time running your business. Use technology to make multiple deposits to your business account from your home or office. RDC is convenient for businesses with limited staff or long distances from the bank. On our secure site you can manage who makes and sees deposits. Increase your cash flow and accelerate check collection.
›› Submit Deposits 24/7
›› Build customer profiles to track check payments.
›› Access historical data to view & print images of deposited checks
›› Generate intuitive deposit reports without deposit slips
›› Save time, offering a convenient way to deposit with fewer trips to the bank

ACH Origination
Save time and energy by simplifying your operations with our ACH Cash Management System, available on Business Online Banking. Schedule single and recurring automatic collection payments from your customers checking accounts.

SmartPay
Customers expect to pay using various forms of payments including: check, cash, card, electronically at your location or through your website. SmartPay can help consolidate your payment activities into one secure payment processing platform allowing you to:
›› Offer your customers more payment options
›› Improve cash flow
›› View transaction history
›› Delegate and manage authorized users
›› Run & export customized reports directly to your accounting software
Remote Deposit - Scan and deposit checks directly from your business
location whenever you want.
ACH Collection - Schedule single and recurring automatic collection
payments from your customers checking accounts.
Card Processing - Process debit and credit cards through the SmartPay
system through single and/or recurring transactions.
E-Commerce - Offer your customers the ability to make payments
through your website.


Make Payments

ACH Origination
Reduce the risk of writing and mailing checks while improving cash flow with our ACH cash management system, available through Business Online Banking.
Vendor Payments
Make payments to your suppliers through ACH Collection to ensure you don’t miss out on production.
Payment Collection
Accept payments from customer account to avoid the hassle of collecting checks.
Secure Transactions
First State Community Bank has additional security features such as tokens and dual
control authorization.


Wire Transfer Services
Transfer and accept funds from vendors and customers. Easily submit domestic and
international wires using Business Online
Banking.
Features include:
›› Same day funds availability
›› Reduced risk of writing & mailing checks
›› Improved cash flow
›› Delegate and manage authorized users

Online Bill Payment 
Online Bill Pay is a quick and easy way to organize and pay your bills at any time.
›› Make payments quickly – with just a few clicks, your payments will be delivered in as little as two days
›› View your payment history
›› Schedule payments when it’s convenient for you - make one-time or recurring payments
›› Set-up alerts to receive email reminders
when bills are due

Locally-Serviced Credit Cards
Our MasterCard Commercial Credit Card provides a way to increase purchasing power while meeting a variety of daily business needs. Cards can be used anywhere MasterCard is accepted.
With our program, you will receive personalized service and hometown convenience by doing business with your community bank. Conveniently view transactions, set employee spending controls, make payments, set-up text alerts and more through the online banking dashboard. All customer service is provided by the Business Services Team during business hours. After business hours, you will be directed to a 24-hour help desk.



Manage Funds

Business Checking

Our accounts offer flexible banking solutions to help manage your business’ finances and expenses. Whether your business is large and thriving or small and mighty, we have the right business checking solution for you.
Our solutions help businesses like you manage your cash flow, deposits, incoming wires, and payroll in addition to local, personalized customer service.

Business Online Banking
Your business deserves your time and energy. With Business Online Banking, you can easily access account information, funds, reports, and statements, which allow you to focus your efforts toward what matters most to you. 
ACH Access
Make payroll and vendor payments easier and less time consuming. Accept ACH payments from customers.
Wire Transfer Services
Easily access and submit domestic outgoing wires through online banking.
Positive Pay
Secure your deposits and payments from check fraud by uploading check information through your online account.
Bill Pay
Conveniently schedule one-time and recurring bill payments. Reduce time spent paying your bills.
View your Statements
View & organize statements online in one convenient location as soon as they’re available. Receiving and storing your statements online helps to protect yourself against identity theft.
Transfer Funds
Make real-time transfers between your First State Community Bank accounts.
Secure Transactions
First State Community Bank has additional security features such as tokens and dual control authorization.
User Management
Allow multiple users with varying levels of access and authorizations.
Alerts
Set up alerts to keep you informed about your balance, upcoming due dates or even savings goals.
Mobile Access
Manage your accounts from your mobile device using the FSCB Mobile Banking App.


Learn more

Borrow Funds

Business Lending
Our dedicated lenders are ready to help determine the credit solutions that best fit your needs and help you grow your business. We offer a comprehensive range of products and services provided by local lenders. Throughout the years, we have learned that a one-size-fits-all approach to agricultural lending rarely produces the best results. Every business has its own unique set of needs.
Real Estate Purchases & Refinancing
If your business plan involves the expansion of a current facility or the purchase of a new one, we can help navigate you through the purchase process. We discuss loan structure and documentation, environmental concerns, appraisals, and other items specifically related to commercial real estate. Our lenders provide the hands-on service you need to succeed.
Commercial Lines of Credit
Flexible and convenient credit lines can assist with smoothing out the seasonal cash flow cycle of your business or provide a safety net for unexpected expenses that may arise from running a business.
Commercial Term Loans
Whether it’s time to upgrade your equipment, inject working capital, or consolidate business debt into one convenient payment, we can structure payment plans to fit your cash flow stream, and best fit your financial needs. We can help you leverage your company’s success to support your growth and profitability goals.
USDA Loans
We work with the USDA to provide loan guarantees for projects that provide jobs and facilities improvements in rural areas. Our lenders are experienced in USDA
lending and can help identify if your project can work within the various programs offered by the USDA.

SBA Loans
Your loan needs for real estate, business acquisition, or permanent working capital can easily be financed through SBA 7(a) and SBA 504 programs that offer longer terms and lower down payments. Our lenders will work with you to determine if your needs meet the terms of these programs.
Government Loans & Leasing
Municipalities may find assistance on small to mid-sized capital projects without the potential hassles of bond insurance. Our prepayment provisions are often better than municipal bonds, with lower fees and competitive rates.
Agricultural Lending
Many of the communities we serve are built on the backbone of agriculture. As a bank with deep roots in agricultural lending, we have an in-depth understanding of the economic cycles and unique demands that affect our agricultural communities.
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Accounts Receivable Financing
Cash flow is fundamental to every business, and managing it can be stressful. We help alleviate stress by funding invoices the next day, making business more successful. More than 30,000 financially healthy, small- to medium-sized businesses across the United States have discovered accounts receivable lending as a key to running and growing their businesses more effectively. BusinessManager provides working capital for receivables from a local bank. By bridging the gap between payables due now and the receivables customers won’t remit for 30 days or more, this successful program positions a company to:
• Realize growth opportunities
Extend credit terms
• Take advantage of supplier discounts
• Reduce debt
• Operate with confidence


 

Protect Funds

First State Insurance Agency
First State Insurance Agency has served businesses throughout Central and Southeastern Missouri for more than 90 years. Business owners have much more to think about than simply operating their business. Protecting it with appropriate property and liability insurance is critical to business continuity and success.
Insurance Offerings That Suit You
We have access to many markets, and we work with a variety of highly-rated carriers, including  Allied/Nationwide, Missouri Employers, Hartford, Travelers, and Missouri Employers Mutual. We can write almost anything for almost anyone, and we strive to fulfill our individual clients’ requests. Homeowners, auto, life, and recreational vehicle insurance are just a few of our options. We also have a business program that can keep any commercial enterprise in Central and Southeastern Missouri secure. We have programs designed for municipalities, trucking, contractors, and construction companies also. Whether you’re in one field or another and whether you have one type of personal need or another, we’ll help you find the insurance coverage you are requesting.
Experienced Local Agents Who Are Dedicated to Your Satisfaction
We have regular office hours, and we’re always available during those hours. Support can be had 24/7 through our carriers, and if you arrange with us to talk outside of regular office hours, we’ll talk with you. We will assist you in the claims process whenever necessary. We will work with insurance companies in order to make sure that you receive what your policy provides. Annual reviews are available to you on the policies to communicate any changes you may share in your insurance needs or questions about your policies.
Specific Industries
Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business.
Employee Benefits
A business is a multifaceted machine that requires protection at every level. Employee engagement is greatly increased with appropriate benefit packages to reward performance.
Additional Services
In addition to covering most primary insurance needs, FSIA can offer other useful services and specialty
insurance for additional convenience.
>Wedding Insurance
>Special Event Insurance Notary Services
>License Services
>Permit Services

First State Insurance Agency is an affiliate of First State Community Bank due to common ownership. Not a deposit, not FDIC insured, not insured by any government agency, not bank guaranteed and may decrease in value. 

First State Financial Management

Our Advisors Work For You
We are in the business of helping people succeed. Financial success is not a number; it is a feeling. It is about the good things that money can do. For many people, that means a secure retirement and comfort and dignity in their golden years. For others, it’s a good education for their grandchildren or help for their church or charity. For some, it’s about successfully selling or restructuring the family business, or passing it on to the next generation.
Financial Management & Investing
Long-term financial success starts with dreams, and it’s our responsibility to help you connect your goals to investment strategies that will help you achieve the life you desire.
Investment and Planning Issues
Planning, creating and managing capital accumulation to generate future capital and cash flows for reinvestment and spending, including managing for risk-adjusted returns and dealing with inflation.
College Planning
With so many variables affecting your education savings strategy, we can help you explore how investing can fit into your funding strategy, including potential tax benefits. Remember, the sooner you start saving, the better – when time is still on your side.
Retirement Planning
Are you just getting started? Are you already saving for retirement? Are you looking for ways to make the most of your money in retirement? No matter the stage you are in we can help.
Tax Planning
Reducing taxes is an essential piece in preserving your retirement plan. Tax laws can be confusing, and little mistakes lead to larger tax issues. Each year millions of people overpay in taxes without even knowing it, leading to a lower retirement income. In conjunction with your CPA, we offer retirement tax consulting that helps you focus on your tax liability during the financial planning process to minimize problems and maximize tax deductions.
Estate Planning
Planning for the creation, accumulation, conservation, and distribution of assets
Cash Flow and Liability Management
A common fear among baby boomers is running out of money. Life expectancy continues to increase, adding more years in retirement and healthcare costs continue to rise putting many at risk of outliving their assets.
By analyzing your cash flow situation, our financial planning team is able to calculate if you’re on track for retirement so you can have that peace of mind. If your cash flow projections are not on track, we can help get you there through with a comprehensive financial plan.


FSFM is an affiliate of First State Community Bank due to common ownership. Securities and Investment advisory service offered through NBC Securities, Inc. Member: FINRA & SIPC. No bank guarantee. Not FDIC Insured. May Lose Value. 

Attention quickbooks, quicken, and mint users


Your First Bank Online Banking is migrating to First State Community Bank’s Online Banking on August 17th, 2020. If you are using a direct connection, download, or bank feed option, this conversion will require that you make changes to your QuickBooks, Quicken, or Mint software. Please take action to ensure a smooth transition.
1st Action Date: August 14th, 2020 at 5:00 pm CST
A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date because transaction history might not be available after the upgrade.
2nd Action Date: August 17th, 2020 at 8:30 AM CST
Before attempting to reactivate your connection with Quickbooks, Quicken or Mint, you will need to log into your FSCB online banking account. After completing your initial login with FSCB online banking you can then reactivate your connection using your new FSCB username and password.


Conversion instructions


Quicken


QuickBooks Desktop

QuickBooks Online

Mint

 


Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:
· Quicken Win/Mac Express Web Connect
· QuickBooks Online Express Web Connect
· Mint
Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.
If you have any questions, please contact us at 888-912-2335

 

 

Our Community Approach

At First State Community Bank, community is not only in our name, it is in everything we do. Supporting the communities we serve is more than just a mission, it’s our passion. We want you to feel proud to say, “I bank with First State Community Bank.” We will strive to meet your financial needs, while also supporting growth and progress in your community.

Our communities are where we live, work, and serve. We raise our families here. We want to make a difference, and we do. From funding educational programs to lending a hand in support of the good work of charitable and faith-based organizations, First State Community Bank is proud to join our friends and neighbors in building stronger and more vibrant communities.

 

BulldogPantry.Donation
 

Helpful Links

We have plenty of Resources you may find helpful

FSCB Blog

Guides & Videos

Free Coaching

Calculators

Fee Schedule

Privacy Policy 

Mobile Banking App-
Apple
Android

Junior Savers App for Kids- 
Apple
Android


97.June 6 2020.Post.Blog Promo.5-28-2020 PG