Treasury Management Services

In addition to the benefits of Business Online Banking, you can:

• Access images of cleared checks
• Define dual control settings
• Assign user access levels
• Originate ACH (Automated Clearing House) transactions
• Process real-time stop payments
• Generate real-time information reporting

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• Automatically transfer ("sweep") excess funds from one account to another
• Earn money on your operating cash
• An easy way to set up automatic savings
• Build reserves that can be accessed quickly
• Avoid expensive overdraft fees

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Offering your customers convenient and secure payment options is one of the easiest ways to increase your revenue. We work with First Data Company to offer Clover Merchant Services that allow you to:

• Track sales and accept payments
• Take your business online with eCommerce
• Send professional invoices and accept online payments
• Get real-time insights about sales trends
• Streamline operations and oversee inventory
• Schedule staff and manage payroll
• Create loyalty programs
• Offer clients physical and digital gift cards
• Turn future credit card sales into working capital

If you already have a processor, we'll review your statements and show you how our services compare.

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• Transmit deposits electronically
• Save a trip to the bank
• View deposits online
• Accelerate cash flow

We provide installation and training assistance

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We're committed to helping you keep your checks and ACH transactions safe using:

Positive Pay

1. Details of the checks you issue will be uploaded to Citizens State Bank
2. When checks are presented for payment, we’ll compare the dollar amount and check number to ensure a match
3. If the check information doesn’t match, we’ll notify you of the exception items so you can decide if the check will be paid

Your company is a candidate for Positive Pay if:

• Your business has experienced check fraud
• Your company issues numerous checks
• You're able to create a file that includes your issued check data
• You'd feel better knowing the checks that clear your account were actually issued by you

ACH Debit Filter - Create a list of pre-approved ACH payments. You can set vendor-specific, amount-specific, one-time, recurring, or a combination of payment rules for each account. You have the opportunity to review any exceptions.

ACH Debit Block - Completely blocks all ACH debit transactions. Any incoming ACH debit is automatically returned to the originating bank.

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• Cut hours, or even days, from your payment collections process
• Improve cash flow
• Automate manual processes and improve staff productivity
• Access more accurate and timely information and reporting
• Decrease the potential for fraud, theft, and error
• Reduce your operating and administrative costs

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