TREASURY MANAGEMENT SOLUTIONS

Our Treasury Management experts have the knowledge and expertise to help you find solutions to your cash management needs. We offer collection solutions that can help you simplify your payment processing, minimize trips to the bank, and even make it easier for your customers to do business with you. Our wide selection of disbursement solutions can help you streamline your account payables. Various sweep accounts allow you to make the most of idle account balances. And our management reporting solutions can help you "go paperless." You'll even find solutions designed to help you better manage fraud and risk.

Contact your State Bank business banker or one of our Treasury Management Solutions experts at 1.800.880.7151 today to learn more.

Collections Solutions

If your business frequently receives payments by mail we can help you reduce your collection float and time you spend processing payments with our lockbox service. This convenient service allows us to collect and process customer payments on your behalf so you can focus more time on growing your business. Payments are directed to a PO Box address that's unique to your business. We collect, process, and deposit payments for you daily.

Remote Deposit Capture

If you're looking for an opportunity to minimize trips to the bank to deposit checks or if your business has multiple locations that require check deposits, then remote deposit capture maybe the solution for you. Deposit checks directly into your checking account right from your desktop with our remote deposit capture service. You'll save time and money by eliminating unnecessary trips to the bank. All you need is a personal computer, a high speed internet connection, and our innovative image capturing tools.

Merchant Card Processing

Expand your customer's payment options and increase revenue by accepting payment by credit or debit card. You'll increase your competitive advantage and make it easier and more convenient for your customers to do business with you.

Disbursement Solutions

Streamline your account receivables and reduce the time you spend on payment processing with the ACH network. ACH gives you the ability to offer your customers the convenience of electronic automatic bill payment while you enjoy the ability to more accurately predict your overall cash flow.

This solution is ideal for businesses with a high volume of reoccurring receivables like monthly dues, payments, or premiums.

Direct Deposit

Your employees will appreciate the security and convenience of immediate fund availability with payroll direct deposit. It's also a great tool for issuing expense reimbursements, tax refunds, pension payments, dividends, and bonuses.

Online Bill Payment

Pay bills anytime, anywhere with our online bill payment service. From work, at home, or on the road you can make payments when and where it's most convenient for you. And if you prefer to pay all of your bills in one sitting, but would like to release a payment at a later date, our bill payment service allows you to schedule a bill to be paid at a later date.

Business Debit Card

Enjoy anytime access to your funds with our Business VISA® debit card with rewards. Get cash and make purchases at millions of locations nationally and internationally. You can even earn points on qualifying transactions that can be redeemed for a variety of great rewards.

Wire Transfers

Transfer money safely and efficiently with our wire transfer service. Whether your destination is local, regional, national or even international, you can easily initiate transfers from your State Bank Financial account online or by phone.

Electronic Federal Tax Payment

Simplify the payment of your federal taxes with the help of our business online banking. Offered through the US Department of the Treasury, the Electronic Federal Tax Payment System, or EFTPS, is a secure and efficient way to pay your corporate, payroll, and sales taxes. Initiate payments directly through your State Bank Financial business online banking service.

Loan Sweep Service

Optimize your collected funds with our loan sweep service. When you have excess funds automatically sweep from your State Bank Financial checking account to your line of credit, you can easily and efficiently pay down credit line balances. Our automated sweep service is even designed to sweep credit from your loan back into your checking account when your balance falls below a predetermined level.

Management Reporting

Take advantage of 24-hour access to a wide range of services with business online banking. Check your account balances, monitor account activity, transfer funds, make a loan or tax payment, pay bills, request reports, and even export transaction data into your account software anytime, anywhere.

CD-ROM Statements

Eliminate the need to physically store and retrieve paper checks and statements with our personalized CD-ROM service. CD-ROM statements allow you to retrieve and review detailed images of your paid checks and deposited items conveniently from your PC. You can even receive all your paid checks on CD-ROM for long-term storage after your account's statement cutoff.

Electronic Data Interchange (EDI)

Cut through the clutter of paper-based payables and receivables with Electronic Data Interchange (EDI). When used with our Automated Clearing House (ACH) service, your business can electronically transmit and receive paper copies of invoices and purchase orders along with payment instructions and remittance detail.

Fraud and Risk Management Solutions

Catch check fraud before a check is even paid with this convenient service. By simply providing us with an electronic file of issued checks you can significantly reduce your risk of check fraud. Every check issued by your business and presented to us for payment will be matched against your electronic file. Only checks matching the provided electronic file are paid.

Account Reconciliation

Let us help you make your account reconciliation process more efficient. We can help you build an automated account reconciliation plan (ARP) that will improve your audit control and streamline back room functions.