FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Running a business can be tricky, but with First State Bank, we have all the business services you need. From Positive Pay to Account Analysis--talk to one of our bankers today!
Check fraud costs U.S. businesses over $10 billion annually, fueled by easy access to blank check stock and printing tools. Positive Pay helps protect your company by preventing unauthorized or altered checks from clearing your account.
With Positive Pay, you send the bank a list of issued checks each day, including check numbers and amounts. As checks are presented for payment, the bank matches them against your list. Any mismatches are flagged for your review before payment, helping stop fraud before it happens.
Account Analysis is a service that helps commercial customers reduce or avoid monthly service charges by maintaining compensating balances. Instead of immediate charges, service fees are tracked as "soft charges" and offset by an earnings credit based on the account’s average available balance.
Balances across all deposit accounts can be combined for greater credit and lower fees. While rates fluctuate with market trends, we adjust them regularly to stay competitive.
With Online Banking, businesses can monitor cash flow, manage payments, and maintain optimal balances—anytime, anywhere. First State Bank provides the tools to help you stay in control of your finances.