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Treasury Services

Firstar Bank combines first-class service and the latest in banking technology to provide your business with a sophisticated suite of cash management products and services.

For more information on any of these services, contact our Treasury Management team at (918) 298-2632 or toll-free, (866) 681-1650.

Click here to log in to Remote Deposit Capture

ACH Processing
ACH (Automated Clearing House) Processing gives you the ability to originate electronic credits and debits. Issue low cost electronic funds transfers through ACH to gain efficiencies over traditional paper-based transactions.

ACH debit service automatically collects funds from your customers to pay a host of payment types. ACH service is a perfect match for companies wanting to expedite their receivables.

Use ACH to conveniently process your payroll by depositing employees’ pay directly into their bank account at any financial institution in the U.S. With ACH, your payroll process is easier, quicker, and much more convenient for both you and your employees. 

  • Initiate payments quickly and easily
  • Improve fraud control
  • Eliminate paper check processing and save time and money  
  • Decrease time and cost of processing checks
  • Reduce stop payments by eliminating lost checks
  • Reduce billing costs, including postage
  • Speed collections - ACH transactions can be collected next day

Business Credit Cards
Our Visa® Platinum credit card offers great benefits including competitive rates*, reward points for merchandise, and travel reward tickets good on any airline with no blackout dates. Click here to learn more or apply.

*Please see the Important Disclosures on the card application for current terms, rates, and fees. Cards are issued by TCM Bank, N.A. and are subject to credit approval.

CD-ROM
This service allows you to access digital images of paid checks, deposit tickets, deposited items, and your entire account statements all on one CD-ROM.

  • Create secure storage of your financial records
  • Expedite research of your bank transactions
  • Reduce paper handling and storage needs
  • Export banking transactions to common file types

Commercial Online Banking
Online Banking is an invaluable tool in today’s fast-paced, technology-based business environment. Via your personal computer, you have the ability to check account balances, transfer funds between accounts, make loan payments, and process payroll.

  • Improve your cash management with access to real-time transaction activity
  • Improve your efficiency with the ability to:
    • Research transaction details for your accounts
    • Access image of paid checks
    • Initiate stop payments
    • Submit ACH payroll or direct billing files
    • Export information into QuickBooks and Quicken
    • Control authorized users 
    • Establish maximum limits and user rights based on functional needs

Document Imaging/Records Management
Let us help you manage your paper and your company’s files with innovative document management technology. Imagio, our web-based document management system, captures your critical records by scanning paper documents.

Import electronic documents from Word, Excel, and email with customized indexes which allow you to search your records quickly and easily. Your records are securely stored in two major data centers located in the U.S. and can be accessed any time via the internet.

  • Securely capture records by scanning your paper documents
  • Access your securely-stored records online any time
  • Reduce processing time and labor in locating documents

Electronic Data Interchange (EDI)
EDI provides detailed reporting of information contained in addenda records of electronic payments.  A complete review of incoming ACH files each morning creates reporting that can be emailed daily. 

  • Improve transaction monitoring
  • Improve information reporting
  • Speed processing by receiving early notification of ACH transactions

Lockbox Services
Improve your cash flow by directing your accounts receivables checks to the bank for same day processing. Lockbox services can accelerate the collection process of your account receivables, which is an important ingredient of your company’s cash flow. These payments can have measurable impact on a company’s bottom line.

Remittances are mailed in your company’s name to a special box maintained at the Post Office picked up daily by the bank. Checks, invoices, and other remittance details are captures and imaged and all necessary data from each transaction is keyed to your account database. An electronic deposit is then made to your account.

  • Enjoy high quality, state of the art imaging technology
  • Remove the burden of processing paper
  • Improve funds availability
  • Reduce the potential for employee fraud and other related financial losses
  • Maximize cash flow by reducing mail delays
  • Improve security and audit controls

Merchant Credit Card Processing
Credit card acceptance is becoming more and more important in today’s competitive environment.  We offer numerous methods of card-payment processing including smart phone, touch-tone phone, point-of-sale terminal, internet virtual terminals, and internet gateways for all major credit cards. No matter what size your business, our merchant program can be tailored to fit your needs.

  • Increase retail sales by providing a convenient method of payment
  • Improve service by reducing time at the check-out stand
  • Eliminate bad check losses
  • Speed reconcilement with one statement for all major credit cards
  • Improve availability of funds with electronic deposits to your account
  • Enjoy free, U.S.-based customer support twenty-four hours a day

Paperless Statements
Instead of receiving your bank statements by mail, enroll in Paperless Statements and access electronic images of your statement when you log in to Online Banking, You can view, print, and download your statements in the privacy of your home or office. Hosted on our secure server, you can access your statements as well as a detailed transaction listing and images of your checks and deposit slips. 

  • Reduce clutter with statements that are easy to store and locate
  • Enjoy availability days before your statement would arrive in the mail
  • Improve security with the ability to view statements in the privacy of your home of office
  • Organize your finances by downloading statements to your computer
  • Reduce the risk of identity theft associated with mailed statements

Payroll Cards

With payroll cards, you can utilize your existing direct deposit process to deposit funds to employees’ payroll cards. Through these cards, your employees can access their funds anywhere debit cards are accepted.      

Employer Benefits

  • Reduce costs associated with paper checks, postage, envelopes
  • Pay employees anytime, regardless of their location
  • Reduce the costs of fraud and lost checks
  • Reduce account reconciliation costs
  • Eliminate stop payment fees for lost checks
  • Enjoy real-time, online reporting

Employee Benefits

  • Eliminate check-cashing fees
  • Make purchases at merchants or withdraw cash at an ATM
  • Mobile and online access 24/7
  • Immediate availability of funds on payday
  • Family cards available

Positive Pay
Positive Pay is a process through which you and the bank work together to combat check fraud by identifying items presented for payment which you did not issue. Positive Pay check fraud prevention program is designed to help businesses substantially decrease risk associated with checks presented for payment on your accounts. 

  • Minimize exposure to check fraud
  • Enable early detection and return of unauthorized checks
  • Reduce the opportunity for fraud
  • Strengthen accounting and audit controls
  • Retain control over pay or return decisions

Remote Deposit Capture
With Remote Deposit Capture, you can eliminate the need for trips to the bank by making deposits electronically right from your office. Checks are imaged and balanced at your site using a scanner then delivered to the bank electronically.

  • Increase employee productivity by eliminating trips to the bank
  • Reduce preparation time associated with check deposits
  • Reduce fraud with a secure deposit process using dual control
  • Access detailed, online reporting of check information and deposit activity
  • Consolidate funds from multiple remote locations into one financial institution
  • Speed access to receivables and associated data

Zero Balance Accounts
Simplify the management of multiple business checking accounts by consolidating your cash into a single concentration account and automatically funding disbursement accounts as needed each day. Zero Balance Accounts (ZBAs) allow businesses to have multiple subsidiary accounts linked to a master account for automated funding.  ZBAs are an excellent tool for businesses that need very clear tracking of account activity and have a desire to gain greater control over funds.

  • Eliminate idle cash by concentrating funds to a master account
  • Save time by eliminating manual transfers between accounts
  • Eliminate overdrafts due to failure to transfer balances
  • Enhance your cash flow by using your financial resources more productively

 

Additional fees may apply for these services. Fees are subject to change without notice.

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