Business Digital Banking

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Business Banking Made Easy

Manage your business accounts with intuitive digital banking tools that work seamlessly from your app to your web browser.

To sign up for Business Online, you only need a Business Checking account. To get started, go to Business Online and click “Business Banking Enroll” to access your accounts online and with the First State Bank of St. Charles mobile banking app.

Manage your business finances 24/7 with the timesaving features your need:

	View & transfer money between accounts you own
	Receive transaction alerts & reminders
	Deposit funds using your mobile device¹
	Works with Intuit^® QuickBooks^® & Quicken^®
	Securely manage your account profile

Convenient Features Online & in App

Tools	Online	Mobile App	Additional Fees
ACH transfer money²			$1.50 each transfer, $0.10 per batch item
Wire transfer money²			$25 per domestic transfer (International transfer fees vary, call 636-940-5555 for more information)
Pay bills
Positive Pay Check & ACH Debit Fraud Protection			$50 per month
Positive Pay ACH Credit Fraud Protection			$15 per month
Make loan payments
Monitor spending with alerts & reminders
Receive security tokens^2,3
Stop payment requests			$30 per request
Have customer support at your fingertips

Get the new First State Bank of St. Charles Mobile App

Business Online Cash Management

Businesses with a First State Bank Business Checking account can get greater control over their cash flow with our robust cash management tool.

Businesses save time, overhead and boost efficiency with our cash management tool:

Grant employees access at a level you control with security tokens.^2,3
Increase operational efficiency and reduce processing costs.²
Move money between financial institutions or payroll accounts via ACH and wire transfers.²

Meet with a banking center manager to see if
Business Online cash management is right for you.

Make an Appointment Today!

Frequently Asked Questions

How do I get started with the new Business Online?

If you are an existing digital banking or Business Online account holder before August 29, 2022, call our customer care center at 636.940.5555 to complete the initial setup process.

If you don’t currently have a Business Online account and would like to learn more, make an appointment with a banking center manager today.

Do my online accounts still have history?

Two months of your account history will be available when you log in to digital banking for the first time. You will begin accruing up to 24 months of history starting Monday, August 29, 2022. Your account history will grow until it reaches a maximum history of 24 months.

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

¹ A daily deposit limit of $2,500 applies to mobile deposits. Checks deposited prior to 4:00 pm CST will generally be available the same business day. However, longer delays may apply. A Notice of Delayed Availability is sent if funds from your check are delayed.

² Enrollment in business online cash management service is required; additional fees may apply.

³ A security token is an access code you receive that allow employees access into Business Online cash management.

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Intuit, QuickBooks, and Quicken are trademarks of Intuit Inc. Data charges may apply. Check with your mobile phone carrier for details.