First Central Savings Bank

First Central Savings Bank is a community bank founded in 1999, with its corporate center and a branch on Glen Street in Glen Cove. The bank makes its lending decisions locally and focuses on personal service, with business development officers who work directly with owners. Commercial lending is a specialty. It offers commercial real estate loans for purchases and refinancing with terms of up to 10 years and amortizations of up to 30 years, along with ground-up construction and renovation financing. It is also an SBA lender. For day-to-day business banking, it provides business checking and savings accounts, debit and credit cards, cash management, remote deposit capture, and merchant services. Personal accounts, certificates of deposit, and residential lending are available as well. Its toll-free line is 866-400-FCSB. It fits Long Island business owners and real estate investors who want a local bank where they can reach a decision-maker.