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Business customers evaluating expenses with cash management from First State Bank

Cash Management

Save time, reduce overhead, and boost efficiency with our robust suite of cash management tools.1

Manage your cash flow with confidence.

Supercharge your business checking account with tools that let you:

    • Control employee access levels with security tokens1,2
    • Increase operational efficiency and reduce processing costs1
    • Move money between financial institutions or payroll accounts using ACH and wire transfers1
    • Streamline monthly customer invoicing with direct electronic payment
    • Organize paying bills using business bill payment
    • Lockbox services available

    • Sending money with Automated Clearing House (ACH) and Wire Transfers1

    ACH cost-efficient, secure processing.

    • Easily set up one-time or recurring payments—whether it’s for payroll, taxes, or paying your vendors, we’ve got you covered.
    • Say goodbye to checks—switching to electronic payments helps you save time on postage and processing.
    • Keep your payments secure with our online platform, encrypted file transfers, and integrated payment solutions.

     

    Wire transfers allow electronic payments locally and globally.

    • Move money faster – Speed up payment processing and get funds where they need to go, quickly and securely.
    • Act fast when it counts – Make urgent payments with ease when timing is critical.
    • Keep it simple – Send wire transfers effortlessly using our online platform’s wire and expedited payments feature.
    • Count on security – Transfer funds domestically or internationally with confidence.

    To use any of our cash management tools, simply enroll in business digital banking using a business checking account.

    Cash Management Fees

    ACH transfer1

    $1.50 per transfer, $0.10 per batch item

    Wire transfer1

    $25 per domestic transfer

    Stop payment requests

    $30 per request

    Security token

    $15 onetime setup

    Find your account to start banking with First State Bank of St. Charles.

    A few common questions, answered.

    First, you’ll need a business checking account with business digital banking enabled. Then, you can sign up for cash management tools online. How to sign up for cash management tools:
    1. Log in to your Business Digital Banking account.
    2. Click the “Service & Settings” icon.
    3. Under Banking Services, click “Request Cash Management Services.”
    4. Select the individual services that you’d like to add to your account.
    5. Follow the remaining prompts and click “Submit” to complete your request.
    Please note that it may take 1 – 2 business days for a cash management service(s) to appear in your Business Digital Banking account. Still not sure if cash management services are right for your business? Meet with a banking center manager to discuss your options.
    1. Go to Digital Banking.
    2. Under Log in, click “Business Banking Enroll.”
    3. Once you have read the disclosure, click “I have read the above disclosure, agree to the terms and would like to proceed with online registration” and “I Agree.”
    4. Fill out the form and click “Continue.”
    Please allow 1 – 2 business days for for Business Digital Banking to be activated.
    To switch from paper statements to e-statements, follow these steps:
    1. Log into Business Digital Banking.
    2. Click the “Service & Settings” icon.
    3. Click “View Statements.”
    4. Click “Electronic Only Statement Delivery.”
    5. Review the disclosure and click “Accept.”
    6. Enter your email address and click “Submit for this Account” or “Submit for all Accounts.”
    1. Log in to Business Digital Banking.
    2. Click the “Service & Settings” icon.
    3. Under Online Accounts, click “Modify Access & Services.”
    4. Under Banking Services, click “Request Cash Management Services.”
    5. Select the individual services that you’d like to add to your account.

    Please note that it may take 1 – 2 business days for Bill Pay services to appear in your digital banking account.

    Disclosures

    All products and services are subject to approval.

    1 Additional fees may apply. International transfer fees vary. Call 636-940-5555 for more information.

    2 An app-based security token is utilized to authenticate user identity when accessing cash management platforms or executing high-risk transactions such as payroll processing, ACH transfers, or wire payments.

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