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Additional Business Services
  1. ACH Origination
  2. Cash Services
  3. Business Banking Online
  4. Visa Debit Card
  5. Wire Transfers
  6. Checkmarc
  7. Cashiers Checks

 

 

ACH Origination
With ACH Origination, we can help streamline your payroll and/or billing process, which will increase your efficiency and cut your business costs.  No more processing paper payroll checks or handling customer checks.  We can cut your customer service time and save your clients a trip to your office. 

ACH (Automated Clearing House) origination is a system of electronic payments processing.  You can use our software to create your electronic files and then upload them to us.  We finish the process here and send the files on to be posted to your customers’ or employees’ accounts.

 

Cash Services
With First State Bank & Trust Co. Cash Services, we can help you with your currency deposit needs and provide you with the currency and coin necessary to transact business.

 

Business Banking Online
Business Banking Online has many convenient features to make your business banking easier:
  • access your accounts
  • transfer money between accounts
  • view check images  
  • upload transactions into finance programs
  • submit ACH files for processing
  • initiate direct deposit payroll files
  • initiate wire transfers
  • pay federal and state taxes
  • submit stop payments
  • manage the access made available to additional users

  
If you would like a personal demonstration of the benefits of Business Banking Online, please contact your bank representative.

 

Visa Debit Card

A fast, convenient, and safe way to pay; the Visa Debit Card is available Free with any First State Bank Checking Account.

Your business wins when you save time and money with Visa Business debit. It offers quick and easy purchasing everywhere that Visa credit cards are accepted. The purchase amount is deducted from your checking account. A Visa Debit Card provides you with the following advantages:

  • More convenient than writing checks and safer than carrying cash.
  • Accepted at millions of merchant locations worldwide; accepted anywhere Visa is accepted.
  • Visa Debit card purchases are automatically deducted from your checking account, so there’s no interest to pay.
  • Comes with the Visa Purchase Security and Extended Protection Program, which protects the retail purchases you make using your new Visa Debit Card.

 

Wire Transfer

Easily move funds between banks, with same day availability, with our fast and convenient Wire Transfer Service.

First State Bank & Trust Co. Routing Number: 101101992

 

 

Checkmarc


Your business is a key contributor to the success of our community through job creation, innovation and the many ways you give back to the community. When businesses are growing, everybody benefits. We have always had a passion to support merchants like you.

First State Bank & Trust offers a free program called Checkmarc. It is a courtesy service that works to recover bad checks and electronic payments, while giving you the freedom to accept checks with confidence. Checkmarc eliminates the time you spend trying to recover bad checks, so you can concentrate on growing your business.

  • FREE service provided by the bank, NO equipment fee, NO set-up fee
  • Dedicated Checkmarc customer service team for all inquiries
  • Secure check-tracking website with 24-hour status on all in-process items
  • You will receive 100% of the face value on all recovered items!



Cashier’s Checks and Money Orders


First State Bank & Trust Company provides both Cashier’s Checks and MoneyGram Money Orders to our customers.  Both products provide security and confidence to the payee because the funds are backed up by the Bank, in the case of the Cashier’s Checks, and by MoneyGram, in the case of the Money Orders.  Generally Money Orders are purchased for smaller transactions and Cashier’s Checks are used to cover larger amounts.