Cash Management

Account Management Controls

The goal of most company auditors is to separate the duties of employees -- including the use of Online Banking. At First State Bank, our Cash Management system was designed specifically to give your management team the strongest possible controls over employees and their duties.

Cash Management allows your managers to tailor the online parameters specifically to each employee. All of the parameters are controlled by your company and are optional.

For example:

• Access to Accounts can be Limited by Employee
• Each Employee can have a Unique ID and Password for Tracking

These are just a few of the many controls available to help manage your information. Our system was designed for maximum control and flexibility to meet your needs.

Balance Reporting

Balance Reporting gives you the tools to efficiently manage your accounts and cash flow with real-time updates on all activity, including wire transfers and ACH items. There’s no limit to the number of accounts you can monitor, and key details like float and uncollected balances help you plan both daily and future cash positions.

Through our secure Cash Management system, you can also access advanced check imaging. View and print front-and-back images of checks and deposits from the past 60 days—right from your home or office. Need to share an image? Simply use the "Print Screen" function to paste it into an email.

Funds Transfer

With First State Bank’s Cash Management, account-to-account transfers are fast, easy, and secure—whether you're in the office, at home, or on the go.

Simply log in to transfer funds between accounts. Transfers made after 3:00 PM CT will post for the next business day, helping you manage next-day transactions with confidence. Extended transfer hours give you added flexibility to ensure funds are where you need them.

Each transaction includes an automatic tracking confirmation, viewable online and printed on your monthly statement. Plus, by 3:00 PM CT, you can see all transactions that will post that night—giving you the clarity to act when it counts.

eStatement Delivery

Tired of waiting for your monthly statement to arrive by mail? With First State Bank’s eStatement service, your statement is available the first business day of the month—no delays.

Securely access and print your statement anytime from home, the office, or on the go. We use top-tier security to protect your information and keep statements online for three years. Need older records? We retain backup copies for seven years and can provide them on request.

Convenient, fast, and secure—eStatements help you stay on top of your finances wherever you are.

Transaction/File Downloads

Downloading information from your accounts can save you time and avoid errors. Cash Management allows you to quickly and easily download posted transactions and statements for any account directly onto your computer. You can then archive them for future use, research, or import the transactions into a spreadsheet program, such as Microsoft Excel, for reconciling research, or analysis. Formats include comma-separated file (.CSV), Quicken (.QIF), Microsoft Money (.OFX), and QuickBooks (.IIF)

Automated Clearing House (ACH)

For over 30 years, ACH has been the trusted method for direct deposit of payroll, offering unmatched reliability and convenience. Employees benefit from faster access to funds without trips to the bank, while employers save on processing costs and reduce workplace disruptions. ACH has never lost a single deposit.

But First State Bank’s ACH services go beyond payroll. You can also collect recurring payments—such as membership fees or service charges—by automatically debiting customer accounts and crediting your own.

Each transaction includes a full audit trail, and payments can be scheduled in advance, making it easy to manage even when staff are out of the office.

Our Cash Management team is here to help you make the most of ACH with solutions tailored to your business needs.