Take charge of your liquidity, manage cash flow, and more.
You didn't start your business so you could moonlight as a bookkeeper. We have the tools to help you manage your cash flow without making it a second career. We make it easier for you to pay bills, collect client payments, manage transactions, protect your accounts from fraud, and more.
Online Cash Management
As your business grows, take the benefits of online banking to the next level.
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.
We're committed to helping you keep your checks and ACH transactions safe using:
Positive Pay
Details of the checks you issue will be uploaded to Citizens State Bank
When checks are presented for payment, we’ll compare the dollar amount and check number to ensure a match
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.
We understand that discussing cash flow - and treasury management products - can be intimidating.
Don't worry, our cash flow specialists will take the time to get to know you and your business; to ensure that you're comfortable with making decisions that help you reach your financial goals.
