Business Services

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 such as payroll to your employees and accounts payable to your suppliers.  You can also debit your customers’ accounts for their monthly payments or membership fees.  This service helps improve cash flow, reduce the risk of paper-based fraud, and lower costs for checks and postage. 

Interested in learning more?  Watch our step-by-step guide for First Southern’s ACH Origination process. In this video, you’ll learn how to create, review, and submit ACH transactions quickly and securely, making it easier to manage your business payments.  Click below to watch the full tutorial.    

Ready to move forward?   Speak with your Business Banker about ACH Origination today!      

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.

Positive Pay

Guard your money and reduce check and ACH fraud on your First Southern State Bank accounts with Positive Pay.   Positive Pay is an automated service that daily matches checks that you have issued against the actual items that have been presented for payment.  Simply submit a file of authorized checks to the bank and we will flag any mismatches as exceptions for your approval.   Positive Pay significantly reduces unauthorized transactions, limits risk from counterfeit checks and provides early detection of fraudulent activity.    Speak with a First Southern Banker about protecting your account from fraud 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 your 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!