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Business Services

First Citizens State Bank makes it easy to manage your business functions. Whatever you need, we are here to make banking more efficient for you.  From Payroll Services to Business Banking Online we are here for you. Scroll down for more information, or visit one of our branches!


Merchant Services

We Make Payments Easy! Your customers can be anywhere. And no matter where they are they expect you to accept their payments easily and securely. That doesn’t need to be complicated or expensive. We have a variety of easy to use Merchant Service solutions available through Elavon - an industry leader for 25 years in payment acceptance.

No matter what type of business you own we have a solution to fit your needs.

  • In-person, online and mobile payment solutions
  • Chip Card/EMV terminals and tablet Point of Sale systems
  • Solutions to help keep payments secure and adhere to PCI DSS standards
  • Loyalty and gift card programs to help market, grow and retain your business
  • Accept mobile wallets including Apple Pay and Android Pay
  • Next Day Business Funding

To find a solution for your business contact one of our branches today!

Safe-T Security Solution®

We offer Safe-T Security Solutions to protect your customer’s data and your businesses from fraud.

Safe-T + Chip Card/EMV technology means:

  • Protection against Hackers
  • Protection against Counterfeit Card Transactions
  • Protection against risks of Card Data Breach
  • Simplified PCI DSS Compliance
  • Up to $250,000 in financial reimbursement accommodation if breached

Customer Service and Customer Care

We are here when you need us 24/7/365 with a dedicated Account Manager for each business customer

Convenient, Easily Accessible Reporting

Gain insights into sales trends and more as you monitor your account from any web browser through our online reporting tool.

Industry Specific Solutions

Because the payments landscape is changing faster than ever before, our solutions work in any customer environment. We offer market solutions for a variety of industry types including:

  • Restaurant
  • Professional Services
  • Retail
  • Healthcare
  • Hospitality


Business Online Banking

A secure, scalable, flexible, customizable and fully integrated portfolio and account management tool much like traditional Consumer Internet Banking with added features such as ACH Origination, Direct Deposit Capabilities, and Administration Rights for your organization’s users.


Remote Deposit Capture

At First Citizens State Bank we realize that your time is valuable to both you and your business. We understand that without the proper products, services and tools, your business cannot run at its most efficient levels. For your convenience, we have introduced our Remote Deposit solution allowing you to scan and submit your deposits electronically without ever having to visit your nearest branch location.

Still wondering how Remote Deposit can streamline your banking needs? Read on…

  • Convenience – Eliminates routine visits to the bank to make deposits – Remote Deposit allows you to make deposits when you want!
  • Fast Clearing – Remote Deposit lessens the amount of time needed for checks to clear, thus making your funds available sooner.
  • Fraud Reduction – You learn about returned and fraudulent checks sooner than with traditional deposits.
  • Easier Tracking – Check images are stored making research and deposit investigation quicker and more efficient.
  • Saves Time & Money – Deposits made from your location save you travel time and money with only a fraction of the effort.

What is needed

  • Your computer.
  • A document scanner, Unisys Smart Source 30 dpm scanner is recommended.
  • Our software.
  • A High Speed Internet connection.

The Process

  • Make sure your deposit balances.
  • With the document scanner connected to your PC, you can send the checks you want to deposit through the scanner. The images of the front and back of the checks are captured on your PC.
  • Confirm the images are clear
  • Once all of your checks have been scanned, log onto our Secure Server and transmit your deposit.
  • That’s it; your deposit has been made.
  • Hold the checks in safekeeping after they are scanned and destroy them after an appropriate holding period.


  • The whole deposit process is done right at your office.
  • No need to mail in your deposit.
  • No need to make a trip to the bank so it saves time and mileage expense.
  • Transmissions prior to 6:00 pm are deposited that same day.


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