Commercial Banking Services

Serving Local Businesses for more than 40 Years . . .


Local Merchant uses Commercial Banking Services from the State Bank GroupFirst Secure State Banks takes your business needs very seriously and understanding the banking needs of your business is our top priority. The history of local business ownership is very much a part of our service mission. We are a locally-owned bank and our bank directors own their own business enterprises within our market area. Support of local business is deeply rooted in the bank's commitment to provide value-oriented banking services to our commercial customers. We take the time to understand your business and work closely with you when your business is faced with opportunities or challenges.

If you'd like to know more about how to "Bank Where You're Known," call First Secure State Banks. As a strong and local community bank, we are dedicated to providing full-service banking at all our locations. We welcome the opportunity to discuss your banking needs. Please visit any of our banking locations to learn how we can partner with you today.

Benefits of Automated Clearinghouse (ACH)

  • Origination Direct Deposit of Payroll
  • Payroll Direct Deposit
  • Tax Payments
  • Corporate Transfers
  • Municipal Payment Services
  • Cost Savings - Fewer checks to buy, reduce bank charges, minimize check distribution costs.
  • Increased efficiency - Reduced time to print and sign payroll checks, faster and streamlined payment disbursement, improved account reconcilement, no need to store hard copies of cancelled checks, elimination of lost/stolen paycheck.
  • Employees are happy – Progressive employers offer direct deposit, and employees prefer direct deposit over receiving a hard check. It is more confidential, and the employee receives access to their funds faster when they are on vacation or out sick.

Call us for more information. 

ACH Bill Payment

  • Cost reduction - Reduced billing costs associated with invoice printing envelopes and postage.
  • Improved cash flow - Funds are received faster and therefore deposited to account on the due date and the amount of the credit is known in advance.
  • Increased efficiency - Reduced time to create invoices, reduced number of incoming checks to process, improved accuracy over customer written checks, simplified research due to entire payment process initiated internally, easier handling of returned items.
  • Increased marketing capability - Provides a progressive image to customers, provides an additional benefit to be offered, increases customer retention level.
  • Improved delinquency ratio - Eliminates receiving checks after due date, eliminates second billing notices.

Business Online and Mobile Banking

  • Online Account Review of Real-time Activity
  • Online Statement History
  • Transfers
  • Bill Pay
  • Approvals

Positive Pay

Positive Pay is a powerful and secure fraud detection tool to help businesses prevent check fraud. This platform matches the account number, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company. All three components of the check must match exactly for it to be authorized. When a check is presented that does not have a “match” in the file, it becomes an “exception item” and is returned to the depositing bank. Positive Pay is a valuable detection solution that can help you guard against fraud. For more information about Positive Pay give us a call.

Business Loans

  • Investor Residential Real Estate Loans
  • Commercial Mortgage Loan
  • Term Loans
  • Lines of Credit
  • Letters of Credit

Commercial Checking

Please click here to be directed to our page about our Commercial Checking Accounts, or contact a Universal Banker to discuss your options.

Merchant Services

Features: We offer a full line of fast and convenient payment-processing services and can help you with an individualized solution for your specific business type. Next-day funding will accelerate your cash flow while our competitive rates will reduce your expenses. Whether your business needs are traditional or you are looking for more modern payment technology, First Secure State Banks can customize your service to meet your individual needs.

Contact a Universal Banker to discuss your options.

Remote Deposit

Features: Remote Deposit Capture service allows qualified business customers to make deposits electronically without ever leaving the office. The "RDC" service utilizes a check scanner, your PC and internet. You can make deposits when it's most convenient for you including evenings, weekends or holidays electronically without ever leaving the office.

Contact a Universal Banker to discuss your options.

Personal Financial Statement

Download Personal Financial Statement (PDF)

NOTE: Do not email this completed document back to the bank unless you use encryption technology.
You may fax the completed personal financial statement to 815-728-1109 or mail it to:

First Secure State Banks
Post Office Box 250
Wonder Lake, IL 60097

Banking Product Brochure

For an electronic version of our standard product brochure, please download our BROCHURE for quick reference and printing.

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