Cash Management

Efficiently maximizing your cash flow is critical to your success - regardless of the type of business you have. First State's Cash Management tools allow you to spend time taking care of your core business - instead of using valuable time to manage your bank accounts, process payments or tracking down account information. Cash Management services that will make your business life easier include:

  • Direct Deposit for your employees
  • Online Banking
  • Electronic Tax Payments
  • Transfer funds between accounts

Any of our Business Banking associates would be happy to discuss this with you. We can even provide a demonstration of how the process works - right in your office. Call us toll free at 877-910-0173 or email us today!


Important Notice to Microsoft Windows XP Users

Effective, April 8th, 2014, Microsoft is ending their support for the Microsoft Windows XP operating system. Continuing to use a computer with Windows XP could result in possible consequences including security risks to sensitive information on the computer. This could impact our customer use of some services accessed through a computer. Computers operating with in a Windows XP Operating System will not receive necessary security updates, leaving the computer vulnerable to malware. In correlation with this Microsoft Windows XP issue, First State's Online Banking and Cash Management Services will no longer support Internet Explorer 8 usage after April 8th. If you are using this browser version, you may start experiencing issues while using some of our online banking services.

For more information on why this is occurring, what impact it can have on you, and some options, you can visit Microsoft's site Here >

For more information regarding supported browsers for our online banking services, as well as, links to download or update our supported browsers, please click Here >

What Browser Am I Using?

Click Here > to determine what internet browser and operating system you are using.


To fill out an application online, please click

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Positive Pay

Positive Pay is a fully integrated, automated fraud detection tool offered in our Corporate Cash Management suite. Simply upload a file of your issued checks through our online Cash Management portal. If a check attempting to post to your account does not match the "issued checks" file, then it will not post and becomes an exception item.

With Positive Pay, you are able to:

  • View details online of each exception item as they come in real-time!
  • Built in decision tools allow you to "Pay" or "Return" the exception item.
  • The "Issued Checks" file can contain other details such as Payee, Payee Address, and Void Date.

It's fast, easy, and immediate! Take advantage of today's technology and stop check fraud losses before it happens! Let us show you how we can help you simplify and improve your business operations.

Contact any of our Business Banking associates and we can begin discussing a tailored solution for your business. Call us toll free at 877-910-0173 or email us today!


To request information about Positive Pay Service, please click

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"Hear What Our Customers Have To Say ..."
"We began using Positive Pay because we were hit with fraud several years ago. It is a great safety tool to use and gives us a great sense of security. We send a file to the bank and they match it to the checks coming into the bank and if the check number does not match they kick it to us to approve. This way no check can clear our account unless we have approved it first. Love, Love, Love Positive Pay!!"


Connie Lesley
Office Manager
Specialty Adhesives, Inc., Memphis TN
Customer since 2012