Business Services

Merchant Services

Stay competitive in today’s busy world by accepting debit and credit card payments for products and services at your business. First Southern State Bank is pleased to offer merchant services through our partnership with BancCard, a company that specializes in secure and seamless card services offered through community banks. BancCard offers transaction authorization, processing and network services for businesses large and small. Learn more about how we might save money for your business by talking to one of our bankers today.

Remote Deposit Capture

Save time and trips to the bank with First Southern’s Remote Deposit Capture. Scan and deposit checks directly into your business account using a special scanner from computer. Scan one or multiple checks for a single deposit, review the total, and correct any error before finalizing your deposit and transmitting it to the bank. Speak with a First Southern Banker to begin depositing checks for your business! 

Check Positive Pay

First Southern State Bank’s Check Positive Pay fraud detection tool will complement your business’ internal security measures and significantly mitigate the effects of check fraud. This service daily identifies and prevents the payment of potentially fraudulent or unauthorized checks from your business account. Talk to your Banker today for more details and to begin saving time and money for your business.

ACH Positive Pay

A compliment to Check Positive Pay is ACH Positive Pay, a fraud prevention tool for ACH transactions. This positive pay for ACH monitors activity to either accept or reject items before they post to your account. Take back control of your account by asking your First Southern Banker about ACH Positive Pay for your business.

ACH Origination

Save time and money for your business by directly depositing funds from your account to your employees or vendors accounts. With ACH (Automated Clearing House) Origination from First Southern State Bank, you can conveniently send payments including payroll to your employees and accounts payable to your suppliers. In addition, you can debit your customer’s accounts for their monthly payments or membership fees. This service improves your cash flow, prevents paper-based fraud, and reduces costs for checks and postage. Speak with your Business Banker about ACH Origination today!