First State Bank Treasury Management Services
First State Bank’s Treasury Management services are designed to help your business streamline financial operations and improve cash flow management. Our comprehensive solutions offer advanced tools and support for efficient payment processing, liquidity management, fraud protection, and more. Whether you're a small business or a large enterprise, we provide tailored strategies to help you optimize your financial resources and focus on what matters most—growing your business. Explore our Treasury Management services today to take your financial operations to the next level.
ACH Filter/Block Services
Use ACH filters and blocks proactively to add an extra layer of security. ACH filters and blocks can help protect your account from electronic fraud. You can use them in combination to review debits before posting. For example, you can set up an ACH block to prevent all ACH transactions, and then use the filter to review debits before posting.
ACH Origination Services
This premium service allows businesses to electronically originate payments without the use of paper checks, which may eliminate trips to the bank and save time and money as well. This service can also be used for Direct Deposit (payroll, vendor payments) or Direct Debit (collecting payments). ACH Origination is processed through Online Cash Management and offers multi-user access and multi-layered security.
Business Credit & Debit Cards
Business Credit Cards
Choosing the credit card that is right for your business is convenient at First State Bank. We offer the choice of a Standard Credit Card or a Preferred Point Credit Card.
Business Debit Cards
First State Bank wants to see your business grow. We offer Business Debit Cards to help with your day-to-day business needs. When you need to make small purchases, a Debit Card is quicker and more convenient to use than cash or a check. Get your First State Bank Business Debit Card today.
Business Online Banking
Today's small business owners deserve control of their finances, total convenience on their schedule and customization to do things their way. First State Bank's Online Banking provides the following features:
- Multi-User Access Controls
- Business Bill Pay, including Payroll Options
- Internal Bank Transfers
- E-Statements
- Mobile Banking
- Reporting
- Transaction Downloads
ICS/CDARS
With ICS and CDARS depositors can access multi-million-dollar FDIC insurance coverage through a single banking relationship, streamlining deposit management.
Lockbox & RemitPlus Services
Lockbox & RemitPlus Services: Complete Payment Processing Made Easy! Take advantage of our comprehensive payment solutions! With Lockbox & RemitPlus, we combine the convenience of Lockbox with the powerful technology of RemitPlus to handle everything from receiving checks and payment vouchers to posting payments directly to your Accounts Receivable. Let us take the hassle out of payment processing—whether you need Lockbox services or just RemitPlus, we’ve got you covered. Our full-feature remittance solution processes checks, vouchers, payment stubs, envelopes, correspondence, and more.
Merchant Card Services (Payment Processing)
First State Bank's line of convenient and EMV-capable payment processing services provides tailor-made solutions for your business. Our next-day funding accelerates cash flow, and our competitive rates may reduce your expenses. Whether you need a traditional terminal, eCommerce solution, fully functional POS solution or mobile technology, we provide secure payment methods for your business.
Online Domestic Wire Transfers
With First State Bank, making wire transfers is convenient and provides peace of mind. Our Online Domestic Wire Transfers offer secure, same-day movement of funds through your Online Banking.
Positive Pay
Positive Pay can reduce the possibility of check fraud by providing the bank with a check-authorization file through Online Banking at the time the checks are issued. When checks are presented for payment, they are compared to the information on file to make sure everything matches. Customer interaction is required to process account activity.
Remote Deposit Capture
With Remote Deposit Capture, you can make deposits anytime that's convenient for you with your smart phone, tablet or desktop. Remote Deposit Capture allows for simple, safe and secure remote deposits at your fingertips so you can focus on more important things. Customizable research and reporting capabilities are included.