Business Online Banking

Benefits of Business Online Banking:

• Account balances, information and transaction history
• Transfer funds between internal accounts
• Pay bills
• Make loan payments
• View eStatements
• Check image retrieval
• Set alerts

Additional services for businesses include:

• ACH Origination and Payroll Transfers
• Ability to authorize which employees may view accounts and conduct transfers
• Pay bills
• Additional security features
• ACH Manager
• Positive Pay

ACH Manager

ACH Origination: Simplify Your Payroll Process
ACH Origination offered by Union State Bank allows businesses to make direct deposits to their employees' checking or savings accounts on payday. This service streamlines the payroll process for businesses, making it efficient and convenient.

Easy Payroll Setup:
Use our ACH batch screen to set up the payroll information for each employee. Once set up, you can save this information to use for each future payday, simplifying payroll processing.

Efficient Payroll Processing:
For businesses of any size, ACH Origination offers an efficient way to process direct deposits. You can also use the ACH import feature to send us a NACHA-formatted file each payday for larger employee numbers.

Get Started Today:
To learn more about ACH Origination and its benefits for your business, give us a call today.

Positive Pay

Protect Your Business Against Check Fraud
Positive Pay is a comprehensive fraud detection tool offered by the bank to help businesses protect against check fraud. It works by combining direct personal contact and banking software to match the checks a business issues with those presented for payment, allowing for immediate detection and prevention of fraudulent activity.

With Positive Pay, you can:

• Get Notified of Potential Fraud: Receive immediate alerts when potentially fraudulent checks are detected, allowing you to take action swiftly.
• Proactively Manage Fraud Risk: Stay ahead of fraudsters by proactively managing your check fraud risk.
• Reduce Fraud Losses: Minimize losses due to check fraud and avoid the lengthy fraud recovery process.
• Reinforce Check-Writing Controls: Strengthen your check-writing controls and policies to protect your business.

How Positive Pay Works:
Positive Pay detects potential unauthorized payments by comparing the checks you have issued against the checks that have been presented for payment. You'll receive email alerts for any suspicious payments, allowing you to approve or decline them quickly through Business Online Banking.

Get Started with Positive Pay:
To get started with Positive Pay through Union State Bank, stop by one of our locations and speak to one of our New Account Reps to get set up. Once enrolled, you'll gain access to a powerful tool designed to protect your business against check fraud.

Bill Pay

Bill Pay offers the ability to pay bills online quickly and securely straight from your accounts.

Features of Bill Pay:

• Schedule payments
• AutoPay and Reminders
• eBills
• View bill history

eStatements

Receive your statements faster and secure with eStatements.

• eStatements allows you 24/7 secure access to your statements. No risk of losing your statement in the mail or stolen from your mailbox.
• Easy access to your last 18 month of account statements. Along with the ability to print or download to your computer.
• You’ll receive an email reminder when your statement is ready.