Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Access all your business accounts and loans through one secure online banking platform. 1st Advantage Bank’s Business Online Banking includes out‑of‑band authentication and multi‑factor security to help protect your financial information.
With Online Bill Pay, you can pay bills electronically without writing checks. Easily schedule one‑time or recurring payments, pay multiple vendors at once, and expedite payments when needed. You can also view pending transactions, track payment history, and enroll in e‑bills for added convenience.
Designed for businesses throughout St. Charles County and surrounding Missouri communities, our digital banking tools provide secure, convenient access wherever your business takes you.
Efficiently manage the flow of money in and out of your business with ACH Origination services from 1st Advantage Bank. ACH provides a reliable, electronic way to send and receive payments while improving speed and accuracy.
As a receivables solution, ACH helps accelerate the collection of client payments such as remittances, dues, charitable contributions, and other recurring payments. As a payables tool, ACH streamlines payroll and vendor payments, reduces manual processing, lowers the risk of errors and fraud, and improves cash flow forecasting through predictable electronic transactions.
Deposit checks quickly and securely without visiting a branch. Remote Deposit allows you to convert paper checks into electronic images and deposit them online, helping funds reach your account faster.
This service is ideal for businesses that receive multiple checks each month and want to improve efficiency, reduce trips to the bank, and streamline their deposit process.
Deposit checks securely from almost anywhere using 1st Advantage Bank’s Business Mobile Banking app. Business Mobile Deposit allows you to capture check images with your mobile device and deposit them directly into your business checking or savings account.
This convenient solution helps you save time, reduce trips to the bank, and keep your business moving — whether you’re in the office or on the go.*
*Third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking app. Mobile Capture is a feature of 1st Advantage Bank Mobile Banking. Use of the Mobile Capture feature requires a supported camera-equipped device and you must download the 1st Advantage Bank Mobile Banking app. Eligible 1st Advantage Bank account and 1st Advantage Bank Online Banking required. Certain other restrictions apply. See the Mobile Banking terms and conditions and the 1st Advantage Bank Online Banking Service Agreement.
Simplify cash management and maintain better control over your operating accounts with Zero Balance Accounts. This service automatically transfers funds between linked accounts to maintain a predetermined balance.
Zero Balance Accounts help reduce idle cash, eliminate manual transfers, prevent overdrafts, and improve overall cash flow efficiency — making them an ideal solution for businesses with multiple accounts.
Simplify cash flow management with 1st Advantage Bank’s Automated Loan Sweep Service. This solution automatically moves funds between your business checking account and an approved line of credit, eliminating the need for manual transfers.
By applying excess account balances toward your line of credit, Loan Sweeps act as built‑in overdraft protection, help reduce associated fees, and can lower interest expense. You simply set a target balance for your checking account, and any excess funds are automatically applied — keeping your cash working efficiently with minimal effort.
Send or receive funds quickly and securely with Wire Transfer services from 1st Advantage Bank. Domestic and international wire transfers allow you to move money efficiently while keeping funds in your account until payment is due.
For added convenience, wire transfers can be initiated through Business Online Banking or completed in person at our bank location, giving you flexibility and control when timing matters most.
Expecting a wire into your account, click here for our Incoming Wire Instructions.
Protect your business against check fraud with Positive Pay from 1st Advantage Bank, available through Business Online Banking. This service helps reduce the risk of loss from common fraud threats such as altered, counterfeit, or unauthorized checks.
Positive Pay is a secure, web‑based check verification tool that allows you to review exception items before they are processed. You remain in control by approving or returning suspicious checks, adding an extra layer of protection and peace of mind for your business.
1st Advantage Bank partners with Global Payments to bring you a flexible suite of business solutions
We’ve teamed up with Global Payments to offer you a versatile suite of business solutions and tools that can help you run your business better. Global Payments offers everything from innovative, money-saving payment processing to point of sale options.
Solutions to take your business to the next level
Let Global Payments help automate some of the time-consuming back office tasks filling up your days, nights and weekends. Plus, get access to information and tools that can help you find and keep customers coming back again and again.
Global Payments offers a wide variety of solutions that can help your business succeed:
● Point of sale solutions featuring Genius
● Secure payment processing
● Customer insights and email marketing
● Gift and loyalty programs
● Lending options powered by Lendio (even for banking customers who may not qualify for conventional business loans)
● Data breach security powered by Aperia with up to $100,000 per location for the most common forms of a data breach
Let us put you in touch with a representative who can find the right solutions for your business.
Grow your business by accepting secure payments
Whether you want to accept payments in-store, online, on the go or all of the above, Global Payments has point of sale options for all budgets. Help grow your business by giving your customers flexibility and peace of mind with secure payments.
● Accept all major payment types including debit, credit, chip cards and mobile wallets
● Get paid even faster – with next-day funding*
● Stay within your budget with customized pricing to fit your business needs
● Keep your business protected with fraud prevention and data security tools
● See your customers’ transactional data with robust reporting
● Get your questions answered with 24/7 customer support
Global Payments makes it easy to do business
Simplify your bookkeeping and potentially save money by combining many of your monthly charges into a single flat monthly fee
Get the transparency you want with no hidden fees
Get competitive tiered pricing no matter your average ticket or your monthly volume
Let’s get started
Contact us today to learn how Global Payments can help you manage and grow your business.
*Merchants on certain processing programs are not eligible for next-day funding; funding may be delayed by Global Payments’ Credit or Risk departments at any time.
All accounts subject to credit approval; some restrictions and exclusions apply to all offerings. All trademarks contained herein are the sole and exclusive property of their
respective owners. ©2026 TSYS Merchant Solutions, LLC, a Global Payments company. All rights reserved. TSYS Merchant Solutions is a registered ISO of PNC Bank, N.A.,
Pittsburgh, PA; Pinnacle Bank, a Tennessee bank, dba Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY for Visa and Mastercard transactions only.
Let’s Simplify Your Business Banking
From improving cash flow to strengthening fraud protection, 1st Advantage Bank’s Treasury Management services are designed to support busy businesses with smart, efficient solutions — backed by local expertise and personalized service.