Managing your receivables is an important part of your business. CSB’s wide range of products and services can help you access and manage funds quickly and efficiently. Contact the Treasury Management Team for more details!

Direct deposit payroll, expense reimbursement, corporate trade payments, tax payments

Initiate electronic disbursements in a cost-effective manner. Send an electronic file of requested ACH disbursements, and we will process the transactions, as well as debit your account on the settlement date. ACH Manager saves you all the time and cost of writing, reconciling and distributing checks.

    • All the benefits of a paper check, in an easy, low-cost digital solution.
    • Payments delivered in seconds, not days!
    • Integrates flawlessly with QuickBooks® & other accounting platforms.
    • Branded checks can be printed and mailed on your behalf. No check stock required!
    • Click here to learn more.

    When you are ready to pay an invoice, you specify which vendor to pay, which checking account to debit and the date to process the payment ... it’s that easy!

    Protect your business against fraud.

    Did you know that your business or organization only has 24 hours to dispute a fraudulent check or electronic debit after it posts to your account?  Get protected. Community State Bank offers Positive Pay – a suite of valuable fraud protection tools designed to reduce your risk of loss from fraudulent transactions. 

    Check Positive Pay

    Reduce the risk of check fraud with Check Positive Pay, one of the most effective check fraud prevention services available.  Check Positive Pay provides more control over payments clearing your business accounts and allows you to make well informed decisions about suspicious check activity.

    With this service, checks presented to the bank for payment are compared to the issued check files you upload to the bank’s system.  If a discrepancy is detected designated users will have the ability to review the check and indicate if it should be paid or returned.  An email notification can be sent to alert users of items needing review. 

    Payee Check Positive Pay takes protection to the next level.  In addition to the standard verification of dollar amount, date issued and check number, the bank can verify the payee information against the name provided in the upload file. 

    Positive Pay services provide protection against altered or fraudulent checks and can help automate your account reconciliation process.

    ACH Positive Pay

    Another important consideration for your fraud mitigation plan should be ACH Positive Pay.  This service allows control over electronic activity posting to business accounts.  Similar to Check Positive Pay, unauthorized ACH transactions are flagged and you are alerted to review them through Business Online Banking.

    ACH Positive Pay allows for the review of any ACH debits posting to your business accounts, which may be approved for a one-time or recurring payment.  Dollar limitations may also be established.  Any item which meets pre-authorized criteria will automatically post without review.

    Additionally, our ACH Debit Blocker service may be utilized for accounts with no electronic debit activity.  This service will automatically reject all ACH debit transactions prior to posting to your business account.

    Contact your Treasury Management Team at 515-252-1185!

    Initiate wire transfers and send available funds electronically the same day. It is a secure way to send money.

    Obtain greater spending power and flexibility with MasterCard® Business Debit Card – another tool to help your business operate with increased efficiency. There are a variety of other benefits offered with the Visa® Business Debit Cards, including:

    • Gain instant worldwide purchase power for business needs
    • Closely monitor all spending
    • Control expenditures by setting spending limits for each employee card holder
    • Save money by writing fewer checks
    • Eliminate the need to reimburse employees with petty cash for business expenses

    Visa® Business Debit Cards also offer a variety of other benefits, from extended warranties to liability protection. Contact the Treasury Management Team at 515-252-1185 to discuss the benefits of Business Debit Cards!

    Visa Guide to Benefits

    No annual fee. Low Rates. Rewards.

    Every business needs a credit line that is tailored to fit its needs. Our Corporate Credit Card program can help you gain more control over procurement, reduce payment-related expenses and help you monitor spending with online management tools.  Contact the Treasury Management Team at 515-252-1185 or a personal banker for more details!