Upgrade 1st State Bank

Our core system upgrade occurred on May 20th, 2024. For details about specific bank services and new features, please see the blue information boxes below.

Key Reminders

The Bank will never initiate unsolicited calls asking for sensitive information, such as your passwords, social security, or account numbers. Should you contact us for assistance, we will ask certain questions to confirm your identity. If you do receive calls claiming to be from 1^st State Bank that you suspect to be fraudulent, do not provide any personal information and contact us immediately at (989) 799-7500.
Copies of statements that are unavailable in online banking can be obtained by contacting your local branch office.

Please use the following contact information for any additional questions or assistance.

Saginaw Main Office 989.799.7500
Saginaw State Street branch 989.596.7500
Bay City Madison Ave branch 989.322.7500
Bay City Wilder Road branch 989.439.7500
Midland branch 989.492.7500

ACH Information

ACH – First Time Login

Sign into the new Online Banking platform on the 1st State Bank website, click on Cash Management service(s) under the Overview section.
The ACH Batches and ACH History categories will be displayed. There will be 24 months of historical ACH information available.

Important Details

If you have any questions regarding templates, please contact ACH Support promptly.
The current 2:30pm daily processing time will change to 2:00pm daily on Monday, May 20th. All other current ACH processing times will remain the same.
LIMITS – As you begin using the new system, be prepared for additional ACH limit reviews. We will monitor these limits closely to lessen any potential impact. To ensure files are submitted in a timely manner, we recommend submission by 4pm ET two days prior to the effective date.

ATM Debit Card New Features

ATM/Debit Cards can now be managed in Digital Banking with our Manage Card options on both your web browser and the mobile app. These new features include:

Requesting a 30-minute temporary spending limit increase (up to $10,000 or the available balance in your account)
Submitting travel notices
Resetting your Pin #
Reporting your card lost or stolen
Setting a schedule for your card to automatically turn off outside of normal usage hours (overnight etc).

ATM/Debit Cards are now printed in the branches. If you need a replacement card or a new card due to it being lost or stolen, you can visit any branch location to get a new one printed within minutes.

Digital & Mobile Banking - First Time Login

One of the more exciting parts of the system upgrade is the enhanced digital banking services you will experience, including consistent design over all devices whether PC, tablet, or smartphone; a new Mobile Banking App with business banking features and multiple check deposit capabilities; eNotices through Digital Banking and more.

Please review the information below to assist you through the upgrade process.

Business Online Banking – First Time Login

Enter existing username.
Enter temporary password (existing username + last 4 digits of EIN)
1. If you have access to multiple businesses under one login, please contact us to determine the appropriate last 4 digits of your Company’s EIN.
Set up a new permanent password.
Set up 3 security questions.
Accept General Use terms to gain access to the Digital Banking platform.
Verify or update your email address on file.
Select Multi-factor Authentication (MFA) setup options:

Option 1 Complete the steps to link a device to receive a text code or a call back.

Option 2 For those that prefer to use the DUO Mobile App for your MFA option, this app is available to download to your phone from your Google Play or Apple store.

If you already have DUO Mobile on your device, you will be sent a text message which will include a link. After selecting the link, a webpage with a URL will populate to create a new line item that will create a code. Continue by clicking activate DUO Mobile on your phone.
Once you select the DUO Mobile App as your option, you will be prompted with step-by-step instructions.

Once you have DUO Mobile linked to your Digital Banking log in, future logins will only require you to use the DUO Mobile App to authenticate yourself.

Personal Online Banking – First Time Login

Enter existing username.
Enter temporary password (existing username + last 4 digits of SSN)
Set up a new permanent password.
Set up 3 security questions.
Accept General Use terms to gain access to the Digital Banking platform.
Verify or update your email address on file.
Multi-factor Authentication (MFA) setup for added security.
1. Complete the process to link a device to receive a text code or a call back.

Choose Skip This Step for the DUO Mobile App step. Recommended for cash management customers only.

Mobile Banking – First Time Login

Log-in steps for Mobile App*

From the Apple App Store or Google Play Store, search for our branded app

“1st State Bank Mobile”. The app tile is shown here for reference.

Follow the previous instructions for the type (business or personal) of access you have currently.

*Important Details

You can login for the first time on any device, including using the mobile app, with the instructions referenced above.
Existing Account Alerts will not convert with the upgrade and will need to be reestablished. Visit the Alerts page on Digital Banking to check out our available alert options.
All existing physical and digital tokens will no longer be valid after May 16^th. Please destroy any existing physical tokens before discarding.

Frequently Asked Questions

Systems Upgrade FAQ

Updated July 11, 2024

General Upgrade Information

Q: What is a systems upgrade?

A: The bank utilizes a core banking software system that supports our accounts and services. This system was enhanced this past May and upgrades many of the services we offer.

Q: Why is the bank doing a systems upgrade?

A: We upgraded our systems to better serve our customers and position the bank for the future. The upgrade enhanced several bank services including a redesigned website and upgraded online banking platform, an updated mobile app including new business banking services and expanded debit card management capabilities.

Q: What is the best way to find out information on the system upgrade or access previous communications?

A: You can find all Upgrade information on the 1^st State Bank website (1stState.Bank). You can easily access the site by using the QR code or website link found on any bank communication regarding the May 2024 system upgrade.

Q: Do you anticipate any changes to the Bank website?

A: In May, we refreshed our Bank website providing a responsive design and user-friendly navigation. The refreshed website will continue to allow you to access online banking, research business and personal banking needs and locate additional resources.

Deposit Account Information

Q: Will my deposit account number(s) or routing number change?

A: No, your deposit account numbers and bank routing number remained the same.

Q: Can I still use the same checks I have today after the upgrade?

A: Yes, you can use your existing checks.

Q: Will I have online access to my bank statements after the upgrade weekend?

A: Customers will have online access to May 2022 through December 2023 historical bank statements. For a period, the January 2024 through May 16, 2024, bank statements will not be available in online banking but can be provided, along with any other historical statement, by contacting any 1^st State Bank branch.

Q: How will I receive my bank statements after the Upgrade?

A: If you previously received printed statements via mail, there will be no change. If you were previously enrolled in eStatements, you will need to activate eStatement delivery in Online Banking. If you wish to enroll in eStatements, you can self-enroll in Online Banking. Your first eStatement will be available in the month after your enrollment month.

Online Banking Information

Q: Will my online banking sign-in change?

A: You will be required to login using your existing username and a bank provided temporary password.

Q: Will the Upgrade impact the Bill Pay service?

A: Bill Pay will be accessed through Online Banking. All payees and six months of bill payment history will be available, however, eBills did not transfer. If you would like to utilize eBills, you will need to re-establish the connection with your appropriate payees. If you were not previously enrolled in Bill Pay, you can now self-enroll in Online Banking

Q: My company uses ACH services. Will the system upgrade impact my ability to ACH funds or impact my templates?

A: For questions or assistance, please contact ACH services at ACHSupport@1stState.Bank.

Q: My company uses Wire services. Will the system upgrade impact my ability to wire funds or impact my templates?

A: For any questions or assistance, please contact our Wire Desk at Wire-Desk@1stState.Bank

Q: I utilize Positive Pay; will this service continue to be available through the system upgrade?

A: You can contact the Positive Pay team at PositivePay@1stState.Bank or by calling 989-272-7591 or 989-272-7583.

Mobile Banking

Q: Can I expect any changes to my Mobile Banking?

A: Mobile Banking will see several enhancements including access from a new app. The new app can be found in The Apple App Store or Google Play Store under the name “1^st State Bank Mobile”. You can log in from any type of device that uses the app. You will be required to login using your existing username and a bank provided temporary password.

Q: Will there be any changes to Mobile Deposit?

A: You now have the ability to deposit multiple checks in a single file. The Mobile Deposit service will only be available to use on a phone and will require downloading the Mobile App.

Debit Card Information

Q: Will I be able to use my current Debit Card, or will a new Debit Card be provided?

A: You can continue to use your existing Debit Card for ATM cash withdrawals, credit and PIN based transactions. You will not need to replace your current Debit Card.

Q: Will my existing Debit Card Personal Identification Number (PIN) remain the same?

A: If you did not complete a PIN based transactions between May 16^th and May 23^rd, you will need to reset your debit card PIN (personal identification number) in Online Banking, under “Manage Cards” or by contacting one of our bank branches.

Online Bill Pay Information

Bill Pay – First Time Login

Upon signing into the new Digital Banking platform for the first time, click on the Pay, Transfer, & Receive tab from the left-side menu bar, select Move Money from the drop-down list.
- You will have the option available to Enroll Now.
All users will need to accept the new terms and conditions.
The following information will be transferred from our current system into iPay:
All payees (except those set up with eBills) will transition to iPay.
Prescheduled single and reoccurring payments will be processed.
6 months of bill pay history will be retained.

Important Details:

No ebills will transfer into the new system. It is recommended to retain information on your existing eBill payees.
If you had enrolled in the previous bill pay system but have not set up any payees or scheduled any transactions, you will need to re-enroll.
Please verify your pay-from account(s) is correct. The new system will default the pay-from account as the account with the most payment activity. If there is no account with the payment activity, the system will randomly assign an account.

Quickbooks Direct Connect Information

On Friday May 24th, Web Connect was upgraded to Direct Connect on our new Online Banking platform. Directions on connecting to Direct Connect are below.

QuickBooks Windows Direct Connect

Before the 1st Action Date:

Backup QuickBooks Windows Data File & Update.

Choose File > Back Up Company > Create Local Backup.
Download the latest QuickBooks Update. Choose Help > Update QuickBooks Desktop.

Complete a final transaction download and match downloaded transactions.

Complete one last transaction update before the change to get all of your transaction history up to date.
Accept all new transactions into the appropriate registers. (required)

On or After the 2nd Action Date:

Deactivate online banking connection for accounts connected to financial institution that is requesting this change.

Choose Lists menu > Chart of Accounts.
Right-click the first account you want to deactivate and choose Edit Account.
Click the Bank Feeds Settings tab in the Edit Account window.
Select Deactivate All Online Services and click Save & Close.
Click OK for any alerts or messages that may appear with the deactivation.
Repeat steps for any additional accounts that apply.

Reconnect online banking connection for accounts that apply.

Choose Lists menu > Chart of Accounts.
Right-click on an account you would like to activate and choose Edit Account.
Select Set Up Bank Feeds on the bottom of the popup screen and select Yes in the
dialog box that will appear.
Enter your institution’s name in the search field and select Continue.
Enter your Direct Connect credentials. Direct Connect might require credentials that do
not match your online banking credentials. Contact your financial institution if your login
information does not work.
Ensure you associate the accounts to the appropriate accounts already listed in
QuickBooks. Link to your existing accounts in the drop-down options labeled Select
Existing or Create New.
Important: Do NOT select “Create New Account” unless you intend to add a new
account to QuickBooks. If you are presented with accounts you do not want to track in
this data file, choose Do Not Add to QuickBooks.
After all accounts have been matched, click Next and then click Done.

QuickBooks Mac Direct Connect