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Treasury / Cash Management Services

State Bank offers a variety of solutions to help you efficiently manage funds collection, disbursements, and maximize cash flow.

  • Cash Manager
    Access account information and manage your cash flow and payments

    Cash Manager

    State Bank’s Online Cash Manager allows you to manage your daily finances more efficiently – 24 hours a day, 7 days a week. Select the options that best suit your business needs from State Bank’s platform of treasury services. State of the art security, the ability to set your company’s user permission levels and access, and the advanced encryption and authentication ensures that your bank account information is completely confidential.

    Features

    View

    • Daily balance and cleared transactions information
    • Multiple account statements
    • Disbursement totals and details
    • Check images
    • Ability to link to multiple entities or tax IDs

    Perform

    • Place stop payments
    • Transfer funds between State Banks accounts
    • Initiate, manage and view wire transfer transactions
    • Originate and manage ACH transactions
    • Create reports
    • Decision positive pay exception items

    Manage

    • Perform item status inquiries
    • Manage company user information and permission levels
    • Audit user activity
    • Download information in multiple file formats
    • Establish email alerts
  • Collecting Funds
    Save time and become more efficient in collecting payments.

    Collecting Funds

    Manage your company’s daily cash flow with these convenient services, delivered by professionals in cash management. A variety of services to assist your company in managing day-to-day cash flow receivables:

    Remote Deposit Capture is a faster, easier and safer way to make deposits — and you’ll never have to worry about making it to the bank before cut off time. Remote Deposit allows you to make deposits from your office at your convenience throughout the day. Use a desktop scanner and web-based application to efficiently capture check images, create reports and select user preferences. Benefits include expedited funds availability, reduced deposit preparation, and less time spent away from the office.

    Lockbox Services State Bank’s lockbox turns your company's receivables into usable cash with maximum speed, efficiency, and accuracy. Our time-saving service streamlines your accounts receivable function. In addition, our lockbox services can help improve productivity by automating manual processes; decrease the potential for theft and fraud, and give you access to decision-critical account information from your desktop.

    Features:

    • Improved Mail Times
    • Fully Automated
    • Easy Access to Images and Data
    • Handles Multiple Payment Options
    • Web Exceptions
    • Wholesale & Retail Lockbox

    ACH Origination Enables you to create electronic transfers to or from accounts of other companies or individuals, directly to your business account via ACH. ACH Debits move funds from the accounts of receivers and credit them to your corporate account. It's a low-cost alternative for the collections of recurring payments, such as club dues, condo fees, rent, and donations.

    Zero Balance Accounts (ZBA) ZBA accounts are used to transfer deposits from subaccounts to primary accounts. For example, funds deposited by each of a chain of stores can be transferred to the headquarters of the chain.

  • Disbursing Funds
    Simplify your payments and save time.

    Disbursing Funds

    State Bank gives you many ways to control how and when funds are dispersed from your accounts.

    • ACH Direct Credit using Online Cash Manager lets you initiate, verify and modify transactions from your desktop, which eliminates time-consuming paper processing.
    • Online Bill Payment is a more efficient and secure way to make all your company payments when you use State Bank Online Banking, saving time and expense.
    • Wire Transfers allow you to initiate one-time or ongoing wire payments and have same-day settlement of funds.
    • DebitMasterCard for Business from State Bank is a flexible and cost-effective way to manage expenses and make purchases at millions of locations worldwide.
  • Fraud Protection
    Protect your accounts and reduce the risk of fraud.

    Fraud Protection

    State Bank gives you peace of mind with the most advanced security tools and processes in the industry to protect your business accounts and transactions.

    • Positive Pay using Online Cash Manager gives you the chance to review your issued checks prior to payment, so you can stop fraudulent, stolen or altered checks.
    • Enhanced Online Security is provided at no cost by State Bank as an additional layer of protection against online fraud (provided by Trusteer Rapport®). Read more
    • Electronic Payment Block allows you to prevent all ACH transactions from posting to your account, giving you more control over electronic transactions.
    • Trusteer Rapport verifies that you are really connected to the bank's genuine website, as opposed to a fake website created by criminals, prevents criminals from hijacking your online connection and prevents the use of malware to steal your log-in data and tamper with transactions.

    Learn more about steps to protect your accounts at our Fraud Protection section

  • Investments and Funding
    Maximize the use of available funds.

    Investments and Funding

    State Bank allows your business to automate the investment of available funds and short-term borrowing through lines of credit.

    • Zero Balance Accounts automatically transfer funds from your primary account to cover transactions in sub accounts.
    • State Bank Business Money Market Accounts provide a way for your business to increase the yield on your short-term reserves
    • Sweep Services automatically sweep funds into your accounts from your established line of credit.
  • Information Management
    Online Banking solutions to conduct daily transactions.

    Information Management

    State Bank Online Banking with Bill Payment and Online Cash Manager deliver a choice of convenient solutions that facilitate your control of daily transactions and reports to monitor activity.

    • Online Banking with Bill Payment provides an array of features to manage your business accounts, including Bank to Bank Transfers, Person to Person Payments, Mobile Banking and more.
      See all the features
    • Online Cash Manager is a full suite of services that gives you control to view your account details, perform important transactions, and manage users and information.
      See all the features
    • Check Images

To find out more about these services, contact your State Bank relationship manager or

Concierge Care for Business

The Concierge Care team is here for one purpose: to assist commercial clients with prompt, efficient attention to your company's cash management functions. We understand your time is valuable. How can we serve you?
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