Business Digital Banking

Business owner using digital banking

Business Banking Made Easy

Manage your business accounts with intuitive digital banking tools that work seamlessly from your app to your web browser.

To sign up for Business Digital Banking, you only need a business checking or a investment & savings account. To get started, go to Business Digital Banking and click “Business Banking Enroll” to access your accounts online and with the First State Bank of St. Charles mobile banking app.

Manage your business finances 24/7 with the timesaving features your need:

View & transfer money between accounts you own
Receive transaction alerts & reminders
Positive Pay Early detection of fraudulent checks or ACH transfers with Positive Pay
Mobile Deposit Deposit funds using your mobile device1
Intuit QuickBooks and Quicken Works with Intuit® QuickBooks® & Quicken®
Manage profile Securely manage your account profile

Convenient Features Online & In-App

ToolsOnlineMobile AppAdditional Fees
ACH transfer money2
$1.50 each transfer, $0.10 per batch item
Wire transfer money2
$25 per domestic transfer
(International transfer fees vary, call 636-940-5555 for more information)
Pay bills
Positive Pay Check & ACH Debit Fraud Protection
$50 per month
Positive Pay ACH Credit Fraud Protection
$15 per month
Make loan payments
Monitor spending with alerts & reminders
Receive security tokens2,3
Stop payment requests
$30 per request
Have customer support at your fingertips

Get the First State Bank of St. Charles Mobile App

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Discover Our Cash Management Tools

With our robust Cash Management tools, businesses with a First State Bank Business Checking account can access greater control over their cash flow.

Frequently Asked Questions

How do I enroll in Business Digital Banking?
  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.

How do I enroll into cash management?

To get started, if you already have a required Business Checking account, either sign-up online or meet with a banking center manager to learn if Cash Management is right for you.

Cash management sign-up instructions:

  1. Log in to Business Digital Banking
  2. Click the “Service & Settings” icon
  3. Under Banking Services, click “Request Cash Management Services”
  4. Select the service for which you would like to enroll
  5. Enter your name, phone, email, and click “Submit”

Please note it may take 1 – 2 business days for a Cash Management service to appear in your business digital banking account.

How do I sign up for e-statements?

To sign-up for e-statements, follow these steps:

1. Log into Digital Banking
2. Click the “Services and Settings” icon .
3. Under Preferences click “View Statements.”
4. Click “Electronic Only Statement Delivery.”
5. Review the terms of agreement and click “Accept” or “Accept and Print.”
6. Enter your email address associated with your account and click “Submit for this Account” or “Submit for all Accounts.”

How do I activate Bill Pay?
  1. Log in to Business Digital Banking
  2. Click the “Service & Settings” icon
  3. Under Online Accounts, click “Modify Access & Services”
  4. To add Bill Pay services to a specific account, select the desired account. Then, under the Action menu, choose “Edit”
  5. Then, select “Basic Bill Pay” and click “Submit”

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

All products and services are subject to approval, including credit approval.

1 A daily deposit limit of $2,500 applies to mobile deposits. Checks deposited prior to 4:00 pm CST will generally be available the same business day. However, longer delays may apply. A Notice of Delayed Availability is sent if funds from your check are delayed.

2 Enrollment in Cash Management service is required; additional fees may apply.

3 A security token is an access code you receive that allows employees access to Cash Management.

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