ACH and Wire Origination for Business

First State Bank offers ACH and wire origination services to help businesses move money efficiently, securely, and with greater control over cash flow. These electronic payment tools can reduce manual processing, lower payment costs, and simplify recurring business transactions.

ACH Origination

ACH origination allows your business to send or receive payments through the Automated Clearing House network using bank-provided software. ACH can be a practical option for payroll, vendor payments, customer collections, account transfers, and other recurring business payments.

View and Print the 2026 ACH Holiday Schedule

Direct Deposit

Direct deposit helps your business transfer payroll funds directly into employee accounts on payday. This can save time, reduce the expense of printing and signing checks, and give employees a convenient way to receive wages.

Wire Transfers

When funds need to be sent quickly, wire transactions allow money to be transferred and confirmed the same day. Wire origination is useful for time-sensitive payments, large transactions, vendor payments, real estate-related transfers, and other business needs that require fast delivery.

Business Cash Flow Control

ACH Manager and Wire Manager give eligible business customers tools to manage electronic payments more efficiently. These services can help reduce float, improve visibility, streamline payable and receivable processes, and support stronger internal controls.

Get Help from First State Bank

Our Accounting Services Team is available to help business customers understand ACH origination, wire origination, processing requirements, security recommendations, and related electronic business services.

Learn more about ACH Manager and Wire Manager available at First State Bank in the video tutorials below. Contact a member of our Accounting Services Team for assistance with your Electronic Business Services by calling 515-832-2520 or by email.