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.
As your business grows, take the benefits of online banking to the next level.
An efficient, cost-effective tool that manages your cash flow between multiple accounts.
Getting clients to the register is the hard part - make it easy for them to pay!
Skip the trip to the bank and deposit checks where you are, when it's convenient for you.
Positive Pay, ACH Debit Filters and ACH Debit Blocks protect your accounts from fraud.
Your Treasury Management Team
Andy Burakiewicz, CTP
Director of Treasury Management
Treasury Management Officer
P: 765-529-5450 Ext. 7851
- New Castle - Broad Street
- New Castle - Raintree
- Union City
- Hartford City - Walnut Street
- 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
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:
- 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.
- 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
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.