Digital Banking & Cash Management
When it comes to business banking, we know what’s important to you: ease, efficiency, cash flow and security. That’s why we built a menu of online services designed to support your company’s needs.
Digital Services
Customize your deposit accounts with these features:
Online and Mobile Banking
With Online and Mobile Banking, you're a few clicks away from accessing your accounts and completing many common banking transactions.
View account balances, transactions and images of cleared checks and items deposited
Use the Money Manager to connect accounts from other financial institutions, view spending habits by category, create and manage a budget as well as track debt.
Make North State Bank loan payments1
Transfer funds between North State Bank accounts and other financial institutions1
Transfer funds from a North State Bank line of credit to a North State deposit account
Enroll in, view, print or save eStatements (identical to our printed and mailed statements, including check images)
Schedule and pay bills
Set up account alerts and receive them by email, text or upon logging in to Online Banking
Issue stop payments
From monitoring transactions and account balances to paying bills, our Business Online Banking Center provides essential account functions, accounting software package integration and customizable security features.
Online Cash Management
Our most robust Online Banking tool, this package features many cash management tools, such as ACH origination and wire transfers.
| BUSINESS ONLINE BANKING | ONLINE CASH MANAGEMENT | |
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| View account balances and recent transactions |
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| Pay bills |
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| Make North State Bank loan payments |
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| View check images |
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| Transfer funds between North State Bank accounts |
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| View, print or save eStatements | |
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| Money Manager | |
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| Mobile Deposit, Remote Deposit Capture2, Business Mobile Deposit5 |
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Autobooks and QuickBooks integration |
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| Provide unique login credentials for different users |
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| Customize each user’s access level and rights |
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| Initiate wire transfers1, 3 |
$25 per month |
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| Originate ACH transactions1, 4 |
$25 per month |
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| Positive Pay Check Fraud Detection1 |
$10 monthly per account for check and/or ACH |
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| Multi-Layer Authentication (added layer of security for user login) |
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| Dual Controls (requires two-person authorization to complete certain transactions, such as Wire transfers or ACH activities) |
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1 Subject to conditions, fees and/or approval.
2 Remote Deposit Capture is available for a fee. Customers choose from two options: 1) A one-time fee of $500 which includes a basic check scanner and ongoing use and support of Remote Deposit Capture service. 2) A one-time setup fee of $75 and an ongoing monthly fee of $25 for service and support, also including a basic check scanner. Batch scanner available for an additional fee.
3 For same-day processing, domestic wires can be initiated until 5:00 p.m. EST each business day.
4 ACH Network is governed by Nacha operating rules. For next-day processing, ACH batches must be received no later than 4:00 p.m. EST. Same-day processing is available for transactions submitted weekdays by 2:00 p.m. for a $7 per batch fee.
5 Business Mobile Deposit is available for a $10 a month flat fee.
2 Remote Deposit Capture is available for a fee. Customers choose from two options: 1) A one-time fee of $500 which includes a basic check scanner and ongoing use and support of Remote Deposit Capture service. 2) A one-time setup fee of $75 and an ongoing monthly fee of $25 for service and support, also including a basic check scanner. Batch scanner available for an additional fee.
3 For same-day processing, domestic wires can be initiated until 5:00 p.m. EST each business day.
4 ACH Network is governed by Nacha operating rules. For next-day processing, ACH batches must be received no later than 4:00 p.m. EST. Same-day processing is available for transactions submitted weekdays by 2:00 p.m. for a $7 per batch fee.
5 Business Mobile Deposit is available for a $10 a month flat fee.
Compare Accounts
Digital Services Details
Select the account features below to learn more details about tools you can use to customize your deposit account:
Known for their speed and security, wire transfers1, 3 are a great way to send funds domestically. For security, international transfers require assistance from a North State representative.
Flexible: Transfers can be scheduled in advance or initiated and delivered the same day.
Secure: Authorized employees are provided a unique Online Banking ID, password and secure authorization code to access the wire transfer system. Each user is assigned a maximum dollar amount they are authorized to wire.
Secure: Authorized employees are provided a unique Online Banking ID, password and secure authorization code to access the wire transfer system. Each user is assigned a maximum dollar amount they are authorized to wire.
For same-day processing, domestic wires can be initiated until 5:00 p.m. EST each business day.
Using the Automated Clearing House (ACH) network1, 4 is a cost-effective, convenient way to collect and make payments.
Customizable: Import Nacha or CSV files to create batches or set up one-time payments directly in the system.
Efficient: Ensure timely collection of payments and improve cash flow by using ACH to receive funds.
Safe: Remove the potential risks associated with check payments.
Efficient: Ensure timely collection of payments and improve cash flow by using ACH to receive funds.
Safe: Remove the potential risks associated with check payments.
ACH Network is governed by Nacha operating rules. For next-day processing, ACH batches must be received no later than 4:00 p.m. EST. Same-day processing is available for transactions submitted weekdays by 2:00 p.m. for a $7 per batch fee.
We offer three remote deposit1 options, allowing businesses the flexibility to enroll in the methods that best match their needs.
Online Banking Mobile Deposit: Deposit checks one at a time using the North State Mobile Banking app. This service is best suited for low-volume, low-dollar deposit business customers.
Remote Deposit Capture: Deposit checks from the convenience of your computer using a check scanner and a high-speed internet connection. Make a deposit by 7:00 PM EST to access funds as soon as the next business day.2
Business Mobile Check Deposit: Deposit checks from the convenience of a mobile device such as a smart phone or tablet without the use of a remote deposit scanner. This app-based service ideal for businesses that want the ability to make high-dollar batch deposits of checks remotely, but do not have the volume to warrant a remote deposit scanner. This service is available for a $10 a month flat fee.
Designed for companies with a high volume of receivables, Lockbox service1 quickly and accurately processes incoming payments.
How it works: Payments are sent to our Lockbox collection address where they are opened, processed according to your company’s specifications and deposited into your account.
Benefits: Lockbox service reduces administrative costs, as well as the opportunity for fraud, and improves accuracy and cash flow.
Medical Lockbox
For healthcare companies receiving a combination of electronic payments, check payments and EOBs, Medical Lockbox1 is designed for precision, speed and integration with your practice management system. HIPPA compliant, it includes the functionality of our Lockbox service along with enhancements designed to meet the unique needs of healthcare providers.
For healthcare companies receiving a combination of electronic payments, check payments and EOBs, Medical Lockbox1 is designed for precision, speed and integration with your practice management system. HIPPA compliant, it includes the functionality of our Lockbox service along with enhancements designed to meet the unique needs of healthcare providers.
Sweep options are available for select business checking accounts, linking to either another North State Bank deposit account or a line of credit.1
Deposit Account: Based on your cash flow parameters, this option automatically transfers funds at the close of business each day to or from your business checking account to or from another North State Bank account. Excess funds can be deposited into an interest-bearing account such as a money market, or it can pull funds from another account to cover overdraft/NSF situations.
Loan Sweep: Manage daily borrowing needs by linking your checking account to a North State Bank line of credit. Your end-of-day available balance can be used as payment toward the loan balance. You can borrow as-needed to maintain a defined target balance in your checking account.
Zero Balance Account: Designed for companies managing cash flow for multiple checking or money market accounts, a Zero Balance Account (ZBA) is a subsidiary account linked to a primary checking account. For example, a company may choose to have one general operating account and separate ZBAs for payroll, expenses, tax payments, etc. The ZBAs will remain at a zero balance, with funds transferring in to cover account activity.
We offer several ways to integrate account information1 with your preferred accounting software:
Autobooks: Designed to meet the needs of small businesses, Autobooks provides accounting, invoicing, and payment services directly integrated with your North State Bank accounts.
QuickBooks® Web Connect and Direct Connect: Users can utilize Web or Direct Connect services to link account data to their QuickBooks software.
Manual Data Export: Data can be exported from Online Banking and uploaded to the software of your choice.
Businesses can determine the level of access available to each authorized Online Banking user. By limiting access and functionality, companies reduce the opportunity for fraud.
Companies can opt to require multiple Online Banking users to authorize certain activities. For example, wire transfers or ACH origination can be set up to require the approval of two authorized users before transactions are completed.
We offer Positive Pay for check and ACH transactions. With this service, ACH debits and checks presented for payment are compared to a list of verified transactions provided by the company. Explore how Positive Pay can protect your business account from fraud.
Whether your company is processing payments in-store, online or from a mobile device, we have payment solutions that will quickly and easily get your customers on their way. A local account representative will work with you to find an efficient and cost-effective solution for your business that includes:
- Transparent monthly statements with no long-term contract
- Next day funding - receive your funds in 1-2 business days
- QuickBooks integration
Merchant services are powered by Heritage Payment Solutions.
In partnership with Asure, we offer comprehensive payroll solutions for companies of any size. Standard services include:
- Choice of direct deposit or paycheck
- Detailed management reports (payroll, tax, census)
- W2 and 1099 preparation and filing
- Quarterly payroll tax return preparation and filing
- Time off accrual tracking
- Unlimited training and support
Need something more? No problem. We also offer:
- Data management services (401(k), worker’s compensation, etc.)
- Employee online views (earnings, deductions, accruals, pay history)
- Employee pay cards
In addition to each user’s unique Online Banking ID and password, we can set accounts to require a secure access code provided by text or phone for each Online Banking login.
Receive near real-time updates about your North State Bank Visa® debit card activity with Visa Alerts. This service is offered free of charge to all debit card users and is customizable based on your preferences. You can select alerts for any or all of the following:
- Purchases over a specified amount—for example, $50 or above.
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Card absent transactions such as payments made by phone or online.
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Card activity outside of the United States.
Each alert contains purchase information, including the amount, merchant name and location (if available) and the last four digits of the debit card number. Plus, you can select the communication style that best meets your needs, choosing from:
- Text messages
- Emails
- Or both for extra security and convenience
Card usage time vs. when you receive the alert is dependent on wireless service and coverage within the area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alerts service may vary by issuer. Additional restrictions apply.
1 Subject to conditions, fees and/or approval.
2 Remote Deposit Capture is available for a fee. Customers choose from three options: 1) A one-time fee of $500 which includes a basic check scanner and ongoing use and support of Remote Deposit Capture service. 2) A one-time setup fee of $75 and an ongoing monthly fee of $25 for service and support, also including a basic check scanner. Batch scanner available for an additional fee. 3) $10 monthly fee for Business Mobile Deposit (deposit checks using your own device such as a smartphone or tablet and the Business Mobile Deposit app)
3 For same-day processing, domestic wires can be initiated until 5:00 p.m. EST each business day.
4 The ACH Network is governed by Nacha operating rules. For next-day processing, ACH batches must be received no later than 4:00 p.m. EST. Same-day processing is available for transactions submitted weekdays by 2:00 p.m. for a $7 per batch fee.
5 Business Mobile Deposit is available for a $10 a month flat fee.
2 Remote Deposit Capture is available for a fee. Customers choose from three options: 1) A one-time fee of $500 which includes a basic check scanner and ongoing use and support of Remote Deposit Capture service. 2) A one-time setup fee of $75 and an ongoing monthly fee of $25 for service and support, also including a basic check scanner. Batch scanner available for an additional fee. 3) $10 monthly fee for Business Mobile Deposit (deposit checks using your own device such as a smartphone or tablet and the Business Mobile Deposit app)
3 For same-day processing, domestic wires can be initiated until 5:00 p.m. EST each business day.
4 The ACH Network is governed by Nacha operating rules. For next-day processing, ACH batches must be received no later than 4:00 p.m. EST. Same-day processing is available for transactions submitted weekdays by 2:00 p.m. for a $7 per batch fee.
5 Business Mobile Deposit is available for a $10 a month flat fee.
Accounting Software Simplified
