Treasury Management

Supportive Services that Keep Business Moving!

The Union State Bank Treasury Management platform consists of scalable business products and services that make managing your business operations easier and more secure! We take the time to get to know and understand your business needs so we can offer you the best solutions.

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E-Payment Processing

Union State Bank offers a scalable and affordable electronic payment processing solution to help streamline your accounting processes such as employee payroll direct deposit, payments to vendors, wires, etc. Reduce time and expenses with these convenient features:

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Remote Deposit Capture

Don’t have time to drive to the bank to make your business deposit? Union State Bank's remote deposit capture solution allows you to deposit checks directly from your desktop!

Positive Pay

Positive Pay is an automated cash-management service used to help prevent check fraud. Positive Pay matches the account number, check number, and dollar amount of each check presented to ensure it is a valid check.

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Digital Lockbox

Our lockbox service is designed to save your business both time and money. Not only do your customer payments reach your bank account more quickly, but your business may be able to reduce the staff required to sort and process payments, allowing these individuals to be utilized in other, more profitable areas of your company.

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Sweep Accounts

Put your extra cash to work by sweeping excess funds from your checking account to an investment or line of credit. With a Union State Bank Sweep Account, cash is transferred automatically based on the total debits and credits posting to your account daily.

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Merchant Card Services

Union State Bank offers merchant card services that are reliable and affordable. Accepting credit cards is good for you and your customers – and it's convenient and easy.

Account Reporting & Management

Account Summary – Real-time account detail and summary reports on all accounts
Alerts – Receive balance, transaction, date and history alerts.
Account Transaction History – View, filter, sort, export, and create reports on up to 12 months of account history
View Account Statements
Create your own custom reports
Check Imaging – View, print, and save images of your checks
Secure Messaging

Electronic Payments & Transfers

Account Transfers – Schedule one-time and recurring transfers
Automated Clearing House (ACH) Origination including: Payroll Direct Deposit, Vendor Payments, Wire Transfers & Collections

With remote deposit capture, you can create a digital deposit by scanning the checks received at your business. Your digital deposit is then transmitted to the bank over a secure Internet connection, where it is posted to your account. All you need is a personal computer, an internet connection and a check scanner.

Benefits of Remote Deposit Capture to Your Business

Improve Funds Availability. Funds can be deposited to your USB account the same day you receive them – from any of your business locations.
Save Time & Money. Eliminates the need to prepare paper deposits and make costly trips to the bank.
Improve Accuracy & Reduce Risk. User input is verified prior to transmission, creating a more accurate deposit and resulting in fewer deposit adjustments. Since items are deposited electronically, you’ll receive faster return-check notification.

Consolidate Your Banking Relationships. Deposits can be made directly to your USB account from any of your business locations, eliminating the need for multiple bank relationships.

Positive Pay is a service that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company. All components of the check must match exactly for the check to be paid.

The company transmits a file of issued checks to the bank each day checks are written. When a check is presented that does not have a "match" in the file, the we send the exception item to the client. The client reviews the image and instructs the bank to pay or return the check.

Digital Lockbox banking accelerates the payment and deposit portion of your receivables in two different ways. First, a lockbox cuts down on any postal delays caused by your customers’ payments delivered to your address. Second, using our lockbox service shortens the amount of time necessary to process your customers' payments as Union State Bank collects the mail, opens the payment envelopes, scans your documents and deposits the payments directly into your bank account. Your customers’ payments are received and deposited all within the same day.

A Sweep Account may be right for your business if:

You want to maximize interest earned on idle funds
You have an active USB line of credit and want to minimize your interest expense
You want to fully automate your investment or borrowing activities

Sweep customers' excess funds will be invested in Union State Bank’s Repurchase Agreement; a minimum investment is required. This investment is not covered by FDIC insurance.

Credit Card Acceptance Systems: Visa®, MasterCard®, Discover®, American Express®
Electronic Check Conversion
Visa® Gift Cards
Online Payment Acceptance

Supportive Services that Keep Business Moving!

For More Treasury Management Information

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