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Cash Management

Save time, reduce overhead, and boost efficiency with our robust suite of cash management tools.1

Manage your cash flow with confidence.

Supercharge your business checking account with tools that let you:

  • Control employee access levels with security tokens1,2
  • Increase operational efficiency and reduce processing costs1
  • Move money between financial institutions or payroll accounts using ACH and wire transfers1
  • Streamline monthly customer invoicing with direct electronic payment
  • Organize paying bills using business bill payment

To use any of our cash management tools, simply enroll in business digital banking using a business checking account.

Cash Management Fees

ACH transfer1

$1.50 per transfer, $0.10 per batch item

Wire transfer1

$25 per domestic transfer

Stop payment requests

$30 per request

Find your account to start banking with First State Bank of St. Charles.

A few common questions, answered.

First, you’ll need a business checking account with business digital banking enabled. Then, you can sign up for cash management tools online. How to sign up for cash management tools:
  1. Log in to your Business Digital Banking account.
  2. Click the “Service & Settings” icon.
  3. Under Banking Services, click “Request Cash Management Services.”
  4. Select the individual services that you’d like to add to your account.
  5. Follow the remaining prompts and click “Submit” to complete your request.
Please note that it may take 1 – 2 business days for a cash management service(s) to appear in your Business Digital Banking account. Still not sure if cash management services are right for your business? Meet with a banking center manager to discuss your options.
  1. Go to Digital Banking.
  2. Under Log in, click “Business Banking Enroll.”
  3. Once you have read the disclosure, click “I have read the above disclosure, agree to the terms and would like to proceed with online registration” and “I Agree.”
  4. Fill out the form and click “Continue.”
Please allow 1 – 2 business days for for Business Digital Banking to be activated.
To switch from paper statements to e-statements, follow these steps:
  1. Log into Business Digital Banking.
  2. Click the “Service & Settings” icon.
  3. Click “View Statements.”
  4. Click “Electronic Only Statement Delivery.”
  5. Review the disclosure and click “Accept.”
  6. Enter your email address and click “Submit for this Account” or “Submit for all Accounts.”
  1. Log in to Business Digital Banking.
  2. Click the “Service & Settings” icon.
  3. Under Online Accounts, click “Modify Access & Services.”
  4. To add Bill Pay services to a specific account, select the desired account. Then, under the Action menu, choose “Edit.”
  5. Then, select “Basic Bill Pay” and click “Submit.”
Please note that it may take 1 – 2 business days for Bill Pay services to appear in your digital banking account.

Disclosures

All products and services are subject to approval, including credit approval.

1Additional fees may apply. International transfer fees vary. Call 636-940-5555 for more information.

2A security token is an access code you receive that allows employees access into Cash Management.

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