Cash Management
Streamlined Account Management
Cash Management Solutions
Providing you the tools you need to help your business grow.
Information Reporting
Real-time business banking at your fingertips and on your schedule.
- Move money and pay bills
- Track and report finances
- Customize multi-user access
Deposit & Disbursement Services
Accelerate the conversion of deposits into cash and streamline payables.
- Remote Deposit Capture (RDC)
- Automated Clearing House (ACH)
- Credit card acceptance
Liquidity Management
Manage excess funds and liquidity with our short-term investment options.
- CDARS
- Insured Cash Sweep (ICS)
- Sweep services
Business Online Banking
Run your business more effectively and efficiently with our Business Online Banking.
Pay Vendors and Employees
Process fast, easy and secure online payments.
View Statements and Check Images
Easy way to stay on top of transactions and deposits.
Export to Money Management Software
Simplify financial management with one download.
Set Permissions
Manage each users access to your accounts and easily set their level of online permissions.
Remote Deposit Capture
Run your business without running to the bank.
Next Day Availability
Next business day availability on checks scanned and received by 7 p.m. Central.
Online Reporting
Easily retrieve deposit details and images of deposited items.
Reduce Fraud
Faster clearing reduces the negative impact of returned checks and check fraud.
Automated Clearing House (ACH)
Save time and money when sending or receiving funds.
Sending and receiving payments may be one of the most important aspects of your business. And it’s important for the process to be economical, safe and reliable. The more efficiently you manage payables and receivables, the quicker you can begin investing your excess cash to support operating capital or debt reduction.
Business Credit Card
Business Preferred Credit Card
Our Business Preferred Point Credit Card gives your business reward points for everyday purchases. You can cash in your points for travel, cash, electronics and much, much more. Apply at any one of our Happy State Bank locations or by contacting us.
Fraud Prevention
Safeguard transactions and minimize risk with our Fraud Prevention tools.
Positive Pay
Account Reconciliation
ACH Debit Blocks
Merchant Services
We offer equipment, processing services and business intelligence reporting to boost your business and keep it running smoothly.
Terminals
Virtual and countertop terminals for secure transactions.
Mobile EMV
On-the-go payment processing that fits in your pocket.
E-Commerce
Drive sales online with effortless checkout.
