Receivables Management

Better payment processing. Better cash flow. Better productivity.

Getting money into your farm is always a good thing, but processing paper checks can be time-consuming and costly. At First State Bank, we can help speed up the process and get funds into your operating accounts faster with two key services—one that lets you deposit checks directly from your farm, and another that converts some of your receivables into electronic payments. This means better cash flow and more time to focus on your farm's productivity.

Remote Deposit Capture

Running your farm means focusing on what matters most, and spending time transporting checks to the bank isn’t the best use of your resources. With Remote Deposit Capture, we provide a simple, efficient scanning system that allows you to deposit checks directly from your farm—no trips to the bank necessary.

• Customized scanner integrates seamlessly into your farm's computer network.
• We’ll provide training at your farm to ensure your team is fully prepared to use the system.
• Scan checks and deposit them individually or in batches, whenever it’s most convenient for you.
• Review check images on computer screens before transmitting them to your First State Bank accounts.
• Easily generate reports summarizing each day's deposits.
• Get funds into your operating account faster, improving cash flow.
• Reduce the chance of paper checks being lost or stolen in transit to the bank.

ACH Origination

If you’re looking to skip the hassle of paper checks, ACH Origination is the solution. With ACH, you can arrange for customers and clients to send payments electronically, and you can send outgoing payments the same way, all while saving time and reducing paperwork.

Here’s how ACH Origination benefits your farm:

• Eliminate the need for check processing, allowing your staff to focus on more important tasks.
• Increase on-time collections by having customers and clients schedule automatic electronic payments.
• Electronic payments mean faster deposits, improving your cash flow.
• Enjoy the option to receive payments from customers and clients via ACH.
• Eliminate the risk of checks being delayed or lost in the mail.
• Save money on postage, envelopes, and staff labor.

Boost sales while building goodwill with your customers.

Merchant Services

In today’s competitive market, your farm wants to say "yes" to any way your customers prefer to pay. Whether it’s debit or credit cards, mobile payments, or online transactions, First State Bank has you covered. We’ve partnered with Wind River Financial, a trusted industry leader, to offer tailored payment solutions that make it easy for your farm to accept various payment types and quickly transfer funds into your First State Bank accounts.