State Bank Cash Management and Payments Solutions

We Make it Easy to Move Money

Discover the Best of Breed in Anytime, Anywhere Banking Get Started Here

Collection

Collection of Receivables

Solutions that accelerate your incoming cash flow

Collection

Make Deposits Remotely

  • Remote Deposit Capture (remote capture for high volume deposits)
  • Make a Deposit (flatbed scanner for low volume deposits)
  • Make a Deposit Mobile (for low volume deposits from anywhere)
Collection

Online Cash Manager

  • ACH Direct Debit (originate ACH online to collect payments)
  • Online wires (originate one-time and recurring wires online)
  • Online bank to bank transfers (move money between banks online)
  • Multi-level, multi-user security controls (grant individual online user access)
  • Anytime, anywhere banking (take your bank with you wherever you go)
Collection

Manage Incoming Third Party Payments

  • Retail/wholesale lockbox (increase speed, efficiency and accuracy collecting payments)
  • Merchant services (accelerate funds collection on all card transactions)
Collection

Cash Deposits

  • Branches/night deposit (local in-person access to seamless cash management services)
  • Remote Cash Deposit (deposit cash in a secure vault for security and remote deposit)
Collection

Market-Leading Operating Accounts

  • Analysis Checking (customized solutions for multiple industries and business types)
  • Group/Consolidated Analysis (use all deposit balances to offset transaction costs)
  • Cash Concentration and Zero Balance Accounts (improve efficiency of overall cash management)
  • Dedicated On-Boarding Team (a cash management professional manages your custom setup)
Disbursement of Payments

Disbursement of Payments

Solutions that make it easy and efficient to make payments and transfers

Payroll and Human Capital Solutions

Payroll and Human Capital Solutions

  • Payroll solutions (payroll and HR processing, timekeeping, 401k transfers, accounting exports)
  • Hiring & performance management (talent assessments, performance evaluation, drug testing)
  • Employee self-service solutions (benefits connections, bank at work, HR processing)
Collection

Online Cash Manager

  • ACH Direct Debit (originate ACH online to collect payments)
  • Online wires (originate one-time and recurring wires online)
  • Online bank to bank transfers (move money between banks online)
  • Multi-level, multi-user security controls (grant individual online user access)
  • Anytime, anywhere banking (take your bank with you wherever you go)
Online Banking

Online Banking

  • Enhanced online billpay (save time and money paying one-time or recurring bills)
  • Online bank to bank transfers (move money between banks online)
  • Online person-to-person payments (pay people online or from your mobile device)
Collection

Debit and Credit Card Solutions

  • ATM and Debit Card
  • Credit Cards
Putting Advanced Technology to Work

Putting Advanced Technology to Work

Solutions that make it easy to manage information and prevent fraud anytime, from anywhere

Collection

Advanced Security and Fraud Prevention

  • PositivePay (present a file of checks issued to help prevent fraud on presented items)
  • FRB advices for wires and ACH (get immediate receipts upon delivery to the FRB)
  • ACH Fraud controls (use blocks and prenotes to prevent unauthorized transactions)
  • Trusteer Rapport malware protection (protect yourself from unauthorized account access)
  • Multi-level, multi-user security controls (grant individual online user access)
Collection

Online Banking and Cash Management

  • Online Banking (single sign-on access to accounts, information, enhanced online billpay)
  • Online Cash Management (originate ACH, wires and transfer funds from anywhere, anytime)
  • Online Financial Management (makes budgets, track expenses, set goals, monitor cash flow)
  • Data Aggregation (see all your financial accounts and activity on your State Bank desktop)
Collection

Personalized Reports and Alerts

  • eStatements (go green to speed delivery of monthly statements)
  • CD statements
  • Self-directed alerts, notices, reports (set reminders, calendar events and be notified of activity)
  • Check images (access images of your checks online for the last 13 months)
Anytime, Anywhere Banking

Anytime, Anywhere Banking

  • Multi-Device Mobile Banking (use a smartphone or tablet for full access to your accounts)
  • Client and Concierge Care (call or web chat with a specialist during business or extended hours)
  • Website Self-Service Portal (visit the website My Accounts page for self-directed service)
Credit and Investment Services

Credit and Investment Services

Solutions that help keep cash flowing and put idle funds to work

Customized Credit Solutions

Customized Credit Solutions

  • Line of Credit
  • Business and Commercial Loans
  • SBA Loans
Maximizing Earnings on Cash Flow

Maximizing Earnings on Cash Flow

  • Floor limit sweeps to MMA or LOC (set individual sweep levels to manage your cash position)
  • Cash Concentration and Zero Balance Accounts (improve efficiency of overall cash management) Business money market account
  • Alternative investment sweeps (make sure your idle cash is working as hard as you are)