First Central Bank is a full-service bank that provides consumer and business financial services to the communities of north central West Virginia. It offers a variety of saving accounts, checking accounts, certificates of investments, individual retirement accounts and lending services. Additionally, it offers debit cards, ATMs, money orders, cashier s checks and online services. Its online services include personal e-mail accounts, account statements, and fund transfer and bill payment services. The bank provides account reconciliation services, lockers, traveler s checks, wire transfers, night deposit bags and direct-deposit services. It offers several kinds of loans, including debt consolidation, personal, auto, commercial real estate, equipment and mortgage loans. First Central Bank has its locations in Philippi and Buckhannon, W.Va.