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Specialty Services

We Provide Everyday Tools to Support Your Hard Work

Remote Deposit

Remote Deposit is a cost-effective solution that allows FSB’s business customers to deposit checks into their checking account without making a trip to the bank, saving both time and money.

  • Eliminates a trip to the bank to physically deposit your checks
  • More efficient use of employee resources
  • Ability to make deposits more frequently, giving you faster access to your funds and the opportunity to earn more interest
  • Best of all, the process is as easy as it is convenient!

For more information, please contact Shelley Schroeder at 319-730-6866 or via email.

ACH (Automated Clearing House)

Take advantage of our simple electronic payment system.

  • ACH web-based software is available from FSB

Learn More

ACH Direct Deposit of Payroll 
ACH Automated Payments

The Automated Clearing House (ACH) network is a nationwide electronic payments system that offers an alternative to checks and other paper-based transactions. Some applications include direct deposit payroll, pre-authorized debits, child support payments, tax payments and cash concentration. Farmers State Bank offers user-friendly, web-based software that provides the means for a company to originate ACH transactions and forward these transactions to the bank for further processing.

ACH Direct Deposit of Payroll

FSB offers businesses of any size the ability to electronically deposit their employees’ net pay into their accounts each payday at the financial institution of their choice utilizing the ACH system.

Benefits to the Company

  • Reduce the expense of payroll checks
  • Improve cash management and account reconciliation
  • Eliminate reissuing lost or stolen checks
  • Option to make child support, federal and state tax payments electronically
  • Reduce errors in creating payroll checks
  • Database can be built once and used repeatedly
  • Payroll information can be imported from other software packages
  • Ease payroll processing labor. Once payroll is calculated in the company’s traditional manner, transfer of the net payroll data to ACH completes the process.

Benefits to the Employee

  • Eliminate a trip to the bank to cash or deposit check(s)
  • Payroll is deposited and available for use on designated payday
  • Deposits can be sent to any bank, savings bank, or credit union in the United States
  • Payroll can be deposited to either checking or savings accounts or both

ACH Automated Payments

FSB can give you the capability to offer your customers the opportunity to pay you by automatically debiting their checking accounts. You don’t have to be a large company to offer this convenience.

Benefits to the Company

  • Improve and predict cash flow
  • Faster funds availability and improved collections • Reduced processing costs
  • Database can be built once and used repeatedly
  • Database can be imported from other software
  • Pre-authorization by customer is simple and easy

Benefits to Customers

  • Bill payment is easy. Payment is automatically debited from customer’s account on pre-authorized date
  • Check writing and postage are eliminated • No late payments
  • Increased security — no worry about payments lost in the mail or misapplied

For more information, please contact Shelley Schroeder at 319-730-6866 or via email.


Stop paying fees for customers’ returned checks! With eZCheckNet, when a customer bounces a check, your financial institution forwards the returned check directly to eTech Transaction Solutions, Inc.

When the funds are collected and released, you receive 100% face value of the check. The customer who bounced the check takes responsibility for the cost of collecting the funds … not you.

To learn more or to sign up today, please contact Shelley Schroeder at 319-730-6866 or via email.

Wire Services

Move funds from FSB to another financial institution.

Time Deadlines:

  • International – 3:30 pm
  • Domestic – 4:00 pm

For more information, please contact Shelley Schroeder at 319-730-6866 or via email.

Personal Financial Statement

FSB lending customers must complete a Personal Financial Statement each year. Download a Personal Financial Statement fill it out, and bring to your nearest location. Please fill out online or print and mail to our Marion Office, ATTN: Credit Department.

For more information, please contact Shelley Schroeder at 319-730-6866 or via email.

Accounts Receivable Financing

Our Business Manager Accounts Receivable Funding Program allows businesses to maximize their cash flow and increase business capital by selling their accounts receivable.

  • Pursue new business opportunities
  • Take supplier discounts
  • Make payroll
  • Offer financing to your own customers
  • Reduce or eliminate debt


View our Business Manager Brochure for details, or contact Jeralyn Heath.

Jeralyn Heath

Jeralyn Heath

Office: 319-730-6945

Personalization Settings


Farmers State Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again