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Merchant Solutions

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Automated Clearing House (ACH) Solutions

You have a profitable business to run, and we have the tools to help save you time and money. Tools like direct deposit of payroll for you and your employees, cash concentration or disbursement accounts from remote locations, direct collections from your regular customers, and more.

  • Direct Deposit of Payroll
    Save money and time by signing up for direct deposit of payroll. It’s easy to sign up, and you avoid the hassles of processing paper checks, re-issuing lost or stolen checks, hand-distributing checks to employees, and dealing with monthly check reconcilement. Plus, it’s generally less expensive than processing with paper checks if you have 15 or more employees.
     
    Your employees will love direct deposit of payroll as well. They don’t have to worry about rushing to the bank to deposit their paychecks, and it is a more safe, confidential, and reliable method to receive their wages.
     
  • Cash Concentration or Disbursement Accounts
    If your business has multiple locations, you know what a hassle it can be to move funds from the outlying locations to the main office. Utilize our cash concentration services to safely, conveniently, and cost effectively move these funds so that you may invest, pay bills, or simply keep better track of your funds at a central location.
     
  • Direct Collections from Customers
    Not only can your business benefit from a more assured and reliable collection of accounts from your regular customers, but more and more of your customers are demanding the convenience of being able to pay their bills via direct billing programs.
     
    Your business benefits from direct cash flow, fewer delinquencies and bad checks, reduced billing and collections costs, and greater customer satisfaction. Your customers are happier because they eliminate the costs of checks, envelopes, and postage, and they also spend less time writing checks and worrying about late payments. Direct collections from customers are a great way to make everyone happy.
     
  • Direct Deposit of Dividend Payments
    Similar to paying employees their wage electronically, many of our corporate customers are finding that stockholders prefer receiving their dividends automatically deposited to their checking accounts. Direct deposit of dividends is easy to sign up for and it helps your business avoid the hassles of processing and mailing paper checks, re-issuing lost or stolen checks, and dealing with dividend check reconcilement. Plus, it’s generally much less expensive than mailing paper checks.
     
    Your stockholders will love direct deposit of dividends as well. Their funds are delivered electronically to their bank in a much safer, more reliable, and more confidential manner.

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Non-Sufficient Funds (NSF) Check Delivery

State Bank of Lizton has partnered with Check Resultz to offer our business customers a new service that allows NSF checks to be collected at no cost. Free NSF Check Recovery is as easy as:

  • Customer writes you a check and you deposit with us
  • Check bounces and we forward check to Check Resultz
  • Check Resultz monitors NSF writers’ accounts daily
  • When funds cover your check plus a return fee of the maximum amount allowed by Indiana, Check Resultz will electronically debit NSF writers’ accounts and reimburse you for face value of your check within 7 days

Our process offers the following advantages:

  • No equipment to buy
  • No start-up fee, monthly fee, or cancellation fee
  • You receive the entire face value of the recovered check
  • No volume requirements
  • No difficult process
  • No contract! You may cancel at any time
  • Receive your recovered checks’ face value within 7 days of recovery

Contact us today for more information.

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Merchant Credit Card Services

State Bank of Lizton is committed to providing advanced solutions through our partnership with NPC/APS.

These services help your business:

  • Process all major credit card purchases
  • Attract a broader customer base
  • Receive up front payment for services and merchandise
  • Reduce bad checks written to your business
  • Offer gift cards

To learn more about the merchant credit card service or to sign up, please contact your nearest State Bank of Lizton location. Once you have become a merchant, you will receive local terminal training and support, as well as customer support 24 hours a day, 365 days a year through a toll free telephone number 1-800-683-2289.

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Letters of Credit

When you need a letter of credit, contact State Bank of Lizton. We will issue standby letters of credit for your business, subject to credit approval.

Contact us for more information.

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State Bank of Lizton
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