Cash Management Products

Remote Deposit Capture

Turn your deposits into working capital faster using Remote Deposit Capture. Our customers can make deposits directly and securely from their office into the Bank at any time, including both business and personal account deposits.

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We recognize that no two clients are alike and offer a customizable Lockbox service to meet the unique needs of your company. The benefits of utilizing our Lockbox service are:

  • Deposits are made daily
  • Save time by eliminating trips to the bank or PO Box
  • Save money by reducing mail float
  • Saves in house processing time and cost
  • Ease of transition — Use your existing PO Box or the Bank's
  • Security — reduces the chance of office fraud
  • Fees are analyzed and can be offset by account balance
  • Convenient delivery of totals, receipts, correspondence, etc. We customize our service for you!

If you would like to see the process, we welcome you to tour our Lockbox facility in Downtown St. Louis.

Call your private banker today for more information.

Positive Pay

Combat fraud by utilizing our positive pay system. In its simplest form, Positive Pay is a service that 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 you. All three components of the check must match exactly or it will not automatically clear.

Simply send us a file of the checks you've issued and we will compare all checks that are presented. We will then notify you of any discrepancies, and prevent the hassle and expense caused by check fraud.

Call your private banker today for more information.

Zero Balance Account

A Zero Balance Account is a checking account in which a balance of zero is maintained by automatically transferring funds to and from a master account in an amount only large enough to cover checks presented. This structure is ideal for your payroll or because it allows you to eliminate excess balances in separate accounts and maintain greater control over your disbursements. There is no fee for this service.

Call your private banker today for more information.

Merchant Services

Rapid growth in the use of electronic payments by today's consumers and businesses has led The Business Bank of St. Louis to offer our customers a full range of online payment solutions. Through our partnership with Clearant*, we provide the services, tools and support necessary to ensure fast, smooth, convenient and secure electronic payment services to fit the needs of your business. Our payment solutions include:

  • Credit cards
  • Signature and PIN debit cards
  • Check Guarantee
  • Gift cards
  • EBT (Electronic Benefit Transfer)
  • E-Commerce solutions
  • Payment equipment sales and leasing
  • 24/7 support
  • Online management tools and reporting

Find out how together we can ensure that you have the best electronic payment solutions available to meet the needs of your business and your customers. Call your private banker today for more information.

*Clearant LLC, a St. Louis, MO based company, can support all merchants, regardless of size, nationwide. Visit for more information.

Online Cash Management

Our state of the art online cash management system is a valuable enhancement to your business banking relationship. It is accessible from any computer and offers a variety of time saving services.

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VISA Business Check Card

Now the convenience of a VISA Check Card is available to your business. Use your VISA Business Check Card anywhere VISA is accepted for business purchases and the funds are automatically deducted from your business checking account. Enjoy the peace of mind offered by the VISA Liability Waiver Program. Click Here to download application.

Find an ATM

Contact Account Services for more information.

*The Business Bank of St. Louis does not charge VISA Business Check Cardholders a fee for the use of an ATM inside or outside of our network, however ATM's outside of our network may assess a convenience fee for transactions.

Credit Cards

The Business Bank of St. Louis offers personal and business credit cards through Elan Financial Services. Click here to apply or learn more. Current cardholders click here for online account access.