With Automated Clearing House you will be able to send funds to anywhere in the United States. ACH payments are processed on an overnight basis.

• Direct deposit your employee payroll
• Process vendor payments and tax payments conveniently
• Transactions can be on a one-time or recurring basis

This service is an effective risk management solution which provides the ability to monitor your checking account to combat check and ACH fraud.

• Ensures that funds are not released from your checking account unless specific information on each check presented for payment exactly matches the list you provided to us electronically
• Discrepancies are flagged so that you can approve or decline the request for payment
• ACH debits will viewed daily to ensure only approved transactions can debit your account

We will transfer funds from your 1st State Bank account to another bank on your instruction. We can handle your requests accurately, in a timely manner with personal attention or you can combine the efficiency of a wire transfer with the convenience of Business Online Banking.

• Domestic and international wire service available
• Initiate, schedule and check the status of wire transfers
• Create reusable templates
• Online Wire Transfer Service also allows scheduling transfers after-hours for processing the next business day

• Link your various checking accounts to a General Operating account automatically
• Funds flow between your ZBA and General Operating checking account
• Eliminates the need for your to transfer funds
• Increase the efficiency and flexibility of your cash flow

Manage Your Business Charge Card

Our Business Charge Card provides you with benefits and rewards while providing the purchasing power you need. Let 1st State Bank’s business charge card be your safe, fast, convenient way to manage your business.

• Customer service available 24/7
• No annual fee
• Earn cash, travel and merchandise rewards through ScoreCardRewards.com
• Choose from three statement formats
• Online account management by eZBusiness
• Manage cash flow
• Monitor employee spending
• Options to manage user cards
• Set individual spending limits
• Lock access and more…

Reward Your Company

Points you earn on the 1st State Bank Business Charge Card can be redeemed for cash rewards as a statement credit! Points can also be redeemed for name brand merchandise or travel rewards.

Ask your banker how you can apply for a 1st State Bank Business Charge Card today. Visit ScoreCardReward.com to redeem your points. Visit ScoreCardRewards.com to check your balance and redeem your points!
 

VISA® Business Data Solutions

VISA® Business Data Solutions provides a faster, more efficient way for business customers to pull their commerical card transaction data and make strategic decisions based on data-driven insights.

• Access your checking account directly when making purchases
• Unlimited ATM access at ATMs owned and operated by 1st State Bank, plus six free transactions per month at any non-1st State Bank ATM

Direct Connect offers QuickBooks® by Intuit® users two-way connectivity to banking accounts. Using your 1st State Bank Online Banking account, you can automatically download transactions and match them with existing transactions, pay bills, transfer funds, and send alerts.

• Have your deposits picked up at your business at your convenience
• Pick-ups can be on a recurring schedule or on an on-call basis

• Scan and securely send checks to your 1st State Bank account
• The compact scanning device can be used directly from your desk
• Fast and simple setup
• Bank anytime you wish with extended 7:00pm cut-off for same day deposit credit

With Automated Clearing House you will be able to send funds to anywhere in the United States. ACH payments are processed on an overnight basis.

• Direct deposit your employee payroll
• Process vendor payments and tax payments conveniently
• Transactions can be on a one-time or recurring basis

1st State Bank offers credit, debit and gift card processing solutions for your business. We have partnered with FIS, the world’s largest global provider of banking and payment technologies to provide 24/7 authorization services and helpdesk support. A merchant payment service can provide:

• Added convenience for your customers to make purchases
• Faster collection of receivables

Our deposit box is the secure way to handle your deposit needs after hours. Be safe by removing cash and checks from your premise each evening. Convenient and safe, they are available at all of our locations. Items deposited before the office opens for business are collected and posted that day. Items deposited after opening are collected and posted the next business day.

Lobby deposits are available at our five locations. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business Monday through Friday at any of our offices in Saginaw, Bay City or Midland on a business day that we are open, we will consider that to be the day of your deposit.

Our Business Online Banking will provide your business a fully secured banking environment with the customization and services you need to do your banking wherever and whenever it is the most convenient.

• Monitor real-time banking information
• Access your accounts and view detailed transaction histories
• Initiate internal transfers and stop payments
• Initiate wires and ACH payments
• Download statements and account information
• Multiple levels of security allow for customized authority levels for your employees
• Multi-Factor Authentication

Manage your accounts on the go with the 1st State Bank Mobile Banking App. Make transfers, pay bills, and deposit checks from anywhere. Mobile Banking is securely locked behind multi-layered security.

iPhone App Download

Android App Download

Securely pay bills and send money online from any of your 1st State Bank checking accounts through Online Banking or the 1st State Bank Mobile App.

• Easily add new payees
• Make recurring payments
• Receive and pay eBills online

When you use eStatements, you’ll get a secure, convenient and environmentally friendly way to access your monthly statement.

• Receive an email notification from us the day your statement is available
• Download and save your statements to view whenever it is convenient for you
• Reduce the risk of statements being lost or stolen in the mail

When you sign up for 1st State Bank’s online banking, you have the option to receive alerts sent directly by mobile text, to your email address, or through online banking. Choose from a variety of alerts, such as deposit activity, your daily balance and changes to your online passwords.

Through 1st State Bank’s online banking you have the ability to control usage of your business debit card.

• Request a temporary spending limit increase
• Report your card lost/stolen
• Reset your PIN
• Program your card to turn off at certain times
• Update travel notices

Under the Manage Profile section of 1st State Bank’s online banking, you will be able to manage the following:

• Manage devices
• Update contact information; phone number and email address
• Change username, password and security questions
• Personalize landing page to reorder, rename or hide accounts
• Add additional “Pay From” accounts and update personal information for Bill Pay

Discover SPIN (Social Payment Instant Network)! 1st State Bank’s new Person-to-Person Payment Service that makes sending money fast, simple and secure – right from your 1st State Bank mobile app or online banking!

• Fast: Payments transfer directly from your bank account to theirs, usually within seconds.
• Simple: All you need is the recipient’s cell phone number or email address. The recipient only needs a debit card to accept the funds.
• Secure: Transactions are sent securely using 1st State Bank’s trusted online banking platform or mobile app.
• Best of all, SPIN is FREE!

Ready to get started? Watch the instructional video below to learn how to use SPIN and then login to your online banking or mobile app to enroll under the Move Money tab!