Treasury Management Services

State Bank Treasury Management

At State Bank, our goal is to always offer you products and services

that meet your unique needs.

You will see our commitment in the way we build strong relationships

with you and offer solutions that produce superior results.

We are truly excited about the opportunity to work with you.

Speed Up Receivables Using Electronic Services

BUSINESS REMOTE DEPOSIT CAPTURE

Make deposits to the bank at your convenience and get easy access to reports.

• Use a scanner at your desk to deposit checks and electronically send them to the bank through our secure system
• Safe, efficient, and affordable

ACH ORIGINATION

Simplify the administration of payment collections by electronically debiting your customers’ accounts.

MERCHANT PROCESSING

Accept credit cards as a form of payment for your business.

• Ecommerce
• Mobile payments
• Point of Sale integration
• Desktop terminal

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Manage and Organize Payments

ACH ORIGINATION

Gain immediate access to your payment data and improve cash flow forecasting by eliminating costly delays associated with mail.

• Disburse direct deposit payroll to employees
• Easily pay vendors electronically

BUSINESS VISA® DEBIT AND CREDIT CARDS

Experience convenience and safety using our cards.

• Credit cards earn rewards or cash back
• Company credit cards with authorized user limits also available
• Mobile Wallet options available for both debit and credit cards

WIRE TRANSFERS

Transfer large funds quickly using this safe and secure method.

• Domestic and international transfers available
• Competitive fees

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Increase Interest Income and Cost Savings

RESERVE SWEEP

Automate the transfer of excess cash balances to generate interest earnings.

• Maximize your revenue on excess balances daily
• Funds move automatically overnight between checking account and reserve account to maximize interest earnings

LOAN SWEEP

Automate the transfer of excess cash balances to reduce interest expense by connecting your checking account to your Line of Credit to advance or paydown on the line automatically.

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Minimize Risk and Monitor Activity

MONITOR ACTIVITY USING ONLINE BANKING

• View all business accounts, transfer funds, make loan payments, and reconcile issued and paid checks on a daily basis
• QuickBooks/Quicken export available
• View and download account history and see check images with business eStatements

CHECK POSITIVE PAY

Enhance check controls.

• Protect your business account from counterfeit, duplicate or altered checks
• Save time and money by automatically reconciling your checks daily

ACH POSITIVE PAY

Enhance automatic payment controls and avoid losses from unauthorized debits by monitoring ACH debit activity posting to your account.

Fees may apply for these services. Please contact us for details.