Business Checking at Fowler State Bank
Your business is everything to you and we have everything you need for your business. When you bank with Fowler State Bank, you gain access to decades of business banking expertise, a complete and modern suite of products, and the extraordinary benefit of the unmatched customer service of your fellow community members. While many banks claim to be relationship oriented, we are relationship operated. For over 95 years, we have enabled local businesses to thrive, grow, and expand. See what we have to offer below and come see us!
What is a Business Checking account?
A business checking account is designed to help your business manage its day-to-day finances. It separates business and personal money, making it easier to track income, pay expenses, and maintain accurate financial record.
Checking Account Guide | Basic Checking | Select Checking |
| Minimum Balance To Open | $100 | $100 |
| Monthly Service Charge | $0 | $3** |
| Check Writing | Unlimited | Unlimited |
| Paper Statement | $5* | $5* |
| E-Statement | Yes | Yes |
| Mobile Banking | Yes | Yes |
| Online Banking | Yes | Yes |
| Debit Card | Yes | Yes |
| Bill Payment | Yes | Yes |
| Interest Bearing | No | Yes |
| Mobile Deposit | Yes | Yes |
*Paper statement fee waived if account is enrolled in E-Statements.
**Service charge waived if: Direct deposits are made into the account each calendar month, the average daily balance is $500 per calendar month, or if you are less than 22 years of age.
***Interest is earned if the average daily balance of the account is equal or greater than $1,500 per calendar month.
What Are Merchant Services?
Merchant Services provides a complete turnkey solution that enables your business to accept and process payments efficiently and safely. TIB Merchant Services offers payment processing solutions tailored to meet your individual business needs. Accept payments anywhere, anytime, get 24/7 support, sell gift cards and loyalty programs, and more!
Merchant services benefits include:
- Full line of fast and convenient payment processing services
- Next-day funding
- Fast and secure payment methods
- 24/7 support
- Wide variety of wireless or wired terminals
- Online gateway for eCommerce sales
- Much more...
Processing Solutions
TIB Merchant Services looks forward to assisting you with a payment processing solution that meets your individual business needs. They provide tailor-made solutions designed to fit your business. With next-day funding to help accelerate your cash flow and competitive rates that can help reduce expenses, TIB Merchant Services offers a variety of features to support your business.
More features include:
- Acceptance of multiple payment methods
- Gift, loyalty, and business analytics solutions
- Customizable point-of-sale (POS), eCommerce, and mobile acceptance solutions
- One source of funding for all major card types
- Multi-layered security and compliance
- EMV-compatible solutions
- Next-day funding
- Competitive rates
- Simplified billing statements
- U.S. based technical support available 24/7
- Surcharging solutions*
* Void where prohibited by state and local laws. Does not apply to check card, prepaid card, or debit card transactions.
Point of Sale Solutions
TIB's innovative point-of-sale (POS) systems and smart terminals are affordable, reliable, and easy to use. In addition to processing sales and accepting payments, they include time-saving features that help you analyze sales data, and manage your inventory, employees, and customers. They also offer loyalty programs and other capabilities that make it easier to run a grow your business.
Additional features include:
- All in one solutions
- Easy to use systems
- Inventory Management
- Smart POS technology
- Loyalty Solutions
- Time Clock and Employee Management
- Barcode Reader
- Vendor Management
- Cloud-Based Software
- More tools available through the application marketplace
Gateway Solutions
With the TIB Merchant Services suite of products, your business can accept payments beyond traditional face-to-face interactions. Secure payment acceptance options are available for a variety of payment types, helping you expand your customer base while streamlining the sales experience. TIB Merchant Services also helps to simplify your business processes with advanced reporting, accounting software integration, and additional fraud protections.
More features include:
- Bundle Processing: Process multiple transactions with one click
- PCI compliant hosted payments page
- Online invoice presentment & payment links
- Virtual terminal & hosted payment page
- Fraud monitoring tools
- Recurring billing & SAFE management
Mobile Solutions
Through TIB Merchant Services you can take your business wherever you go and accept payments virtually anywhere with mobile solutions tailored to our business needs. Your device arrives ready to use right out of the box, works anywhere you have cellular connection, includes an online dashboard for reporting and an additional virtual terminal, and provides fast and secure processing. TIB's card readers are highly responsive, built for security, and designed to work easily and flawlessly with your tablet or smartphone.
Additional mobile solution features include:
- Retail, QSR, Restaurant capabilities
- Contactless Payments
- Multi-Merchant
- Tip Management
- Payment Links
- Voids & Returns
- Offline Mode
- Online Reporting
- Online Inventory Management
- EMV Enabled Technology
- PCI Compliant Security
To determine what is right for your business contact us or visit TIB Merchant Services to learn more!
What is Merchant Capture?
Merchant Capture is a convenient cash management solution that allows businesses to deposit check electronically from their office instead of visiting a branch. Using a desktop check scanner, businesses can scan paper checks, securely transmit the images to the bank, and have the funds processed for deposit.
Additional Merchant Capture features include:
- Deposit checks directly from your office
- Secure electronic check transmission
- Faster deposit processing
- Improved cash flow
- Convenient desktop check scanner
- Streamlined daily deposit process
- Free onsite installation by Fowler State Bank staff
What is a Night Depository Service?
A Night Depository Service allows business to securely deposit cash, checks, and deposit slips into a locked depository any one of our branches outside of our normal operating hours. The deposits are then retrieved and processed during the next business day.
Additional features:
- Secure, locked depository for deposits
- Convenient after-hours access
- Next business day deposit processing
- Lockable night deposit bags available to rent with signed agreement
For more information, please contact:
.jpg?sfvrsn=b0e843b9_1 "Paige F (3)") | .jpg?sfvrsn=bf5e5e5f_1 "Emily (3)") |
| Paige Flook | Emily Garrett |
| CSR Supervisor | DSS Supervisor |
| (765) 884-1200 or (800) 439-3951 | (765) 884-1200 or (800) 439-3951. |