Bizbanc - BizPay
iLockBox
Account Analysis
Sweep Account - GovCash
Escrow Manager
Positive Pay
Cash Management Links

BizBanc & BizPay
Online Banking & Bill Pay for Small Business

BizBanc allows business customers 24/7/365, secure access to balances, transactions, check images, transfers and much more from any secure internet connection.

Account Security

• Multifactor Authentication (MFA) means our customers are required to use a second level of security in addition to the traditional user ID and password.
• MFA not only authenticates a customer’s identity to the website, but also authenticates our website to the customer.
• Administer user security levels and functionality.

Account Information

• Monitor real-time pending transactions
• View current and previous cycle transaction activity
• Access images of cleared checks
• View and print daily and monthly statement activity
• Inquire on multiple accounts
• Place Stop Payments on checks issued
• Export transactions to software such as: Quicken, QuickBooks, Microsoft Money and Excel (CSV)
• Access to e-Statement notifications

Electronic Transfers

• Initiate real-time account–to-account transfers
• Create and transmit direct deposit payroll
• Pay state and federal taxes
• Make electronic vendor payments
• Send domestic and international wire transfers
• Setup repetitive wire templates

BizPay - Online Bill Payment for business

• Pay anyone capability
• Automate recurring payments
• Guaranteed transactions
• e-bill receipt capability (Bill Presentment)
• Attach invoices and credit information to payments
• Consolidate multiple invoices from a single biller into one payment
• Establish authority levels for additional employees responsible for issuing payments

Disclaimer: First Southern Bank Multi-Factor Authentication

Premier Multifactor Authentication (MFA) provides an Internet banking solution that effectively deals with growing fraud and compliance challenges.  Multifactor Authentication requires a second level of customer authentication, in addition to the standard user ID and password, and is one of the most effective ways to deter fraudulent online activity.

• The Bank will use the VASCO one-time password (OTP) token.  These “connectionless” devices provide an “air gap” between the token and the network, eliminating the need for connection to a hosting device that might be infected.  These tokens are portable, and can’t be duplicated, remotely hacked or spoofed.
• The OTP token generates random numbers (the one-time password) at login, which customers use in conjunction with their personal identification numbers. (PIN).  For each login attempt, the one-time password changes.