Commercial Banking
Your business is our business. We love helping companies of all sizes succeed – and that means we’ve developed a whole portfolio of Commercial Banking services to give your business an edge. Credit card processing services, remote deposit, payroll, fraud protection – it’s all part of our mission to keep you running.
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Credit Card Processing
Upgrade your debit card and credit card processing to personal payment processing from First State Bank and our partner BASYS Processing. Accept payments every way your customers want to pay that is safe, convenient, and affordable for your business.
Your business will enjoy the following benefits:
- A dedicated account manager for all customer service inquiries
- Comprehensive PCI Compliance support
- Online reporting capabilities
- Acceptance of all major card brands
- Equipment for all situations: in-person, over the phone, online, contactless, and mobile
- Competitive rates
Learn more here.
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Remote Deposit Capture
Speed, efficiency, and security? Check, check, and check. Our remote deposit capture service allows you to deposit business and personal checks right from your office. Scan, deposit, and receive same-day processing for all checks received by 4 pm on business days. Cut back on bank trips and eliminate late-night deposits. It’s easy to use, and includes free local service support.
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ACH Services
Take care of business even when you’re not there. First State Bank’s ACH services handle routine banking details for you, freeing you up to take a business trip or focus on more important tasks. Direct Deposit gives your employees safer, faster access to their funds, eliminating issues with lost or stolen payroll checks. And Direct Debit pulls funds from your checking account to automatically pay your bills – reducing delinquencies, mailing costs and returned check fees.
Go ahead – relax and take a break. Our ACH services will make sure your employees and your bills will still get paid.
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Positive Pay
Protect your account, no matter what happens. With check and ACH fraud on the rise, you need peace of mind. Our Positive Pay product gives you the protection you need, by monitoring your account for fraudulent and unauthorized transactions. Positive Pay tracks account activity – including paid items, voided items, and stop payments – and compares specified debit items posted to the Bank’s system against a master list of items you provide. When your transaction information gets uploaded prior to processing, you have more control. And more peace of mind.
Are you sure your account is safe? It’s better to be positive. View Demo.
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Payroll Services
Simplify payroll and give your employees more ways to get paid. Our payroll card solution provides employees with a secure and convenient way to receive direct deposits, even without a traditional bank account.
Employees can easily access and manage their funds through a user-friendly mobile app. Additionally, businesses partnering with payroll providers benefit from reverse wire capabilities, allowing provides to initiate funding requests while retaining full control through a simple review and approval process.
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Escrow and Rent Solutions
Managing escrow accounts and rent collections doesn’t have to be complicated. With KeysSuite, you can streamline the way you collect, track, and distribute funds with ease and transparency. Designed for property managers, associations, and businesses handling third-party funds, KeysSuite helps you stay organized, compliant, and in control, while reducing manual work.