You’ve mastered your industry and built something that lasts.
That’s why you need a cash setup that takes care of the back office so you can keep focusing on your vision.1
Connect with a Business BankerLocal Decisions. Real Relationships.
We partner with Western Iowa owners to secure capital, accelerate collections, and simplify daily banking.
Pay Employees & Vendors
ACH Payment
Minimize your paper-based payments for greater flexibility and enhanced fraud security. Ideal for seamless payroll and vendor distribution.
Business Bill Pay
Pay vendors, utilities, and recurring bills online, on your schedule, without writing another check.
Wire Transfers
Send and receive funds securely for time-sensitive payments, both domestic and international.
Collect Payments
ACH Collections
Pull payments directly from customer accounts for faster, more predictable cash flow.
Remote Deposit Capture
Scan and deposit checks right from your office, no branch trip required.
Skip the Trip →Merchant Services & Card Processing
Accept debit and credit payments in person or online with equipment built for your business.
Start Accepting Payments →Your Business Shouldn’t Be Overpaying for Banking.
Our team conducts a detailed account analysis to identify inefficiencies, review unnecessary fees, and ensure your banking structure supports your growth — not slows it down.
Request a Performance ReviewProtect Your Accounts
Positive Pay
Catch check and ACH fraud before it hits your account. Review and approve items before they clear, on your terms.
Learn More →Dual Control
Add a second set of eyes to every transaction. Require dual approval on payments and transfers to guard against internal fraud.
Real-Time Alerts
Know the moment something happens. Get instant notifications on account activity so you're never caught off guard.
Card Controls
Instantly lock lost or stolen cards with a single tap—mobile or online.
Take Control →Access Your Accounts
Business Online Banking
Manage payroll, payments, and cash flow from one dashboard, anytime, anywhere.
See the Dashboard →Mobile Banking
Check balances, transfer funds, and set up alerts right from your phone.
Account Reconciliation
Sync transactions with QuickBooks® to reconcile statements automatically.
“Midstates Bank have a lot of safeguards in place. I always know that our business here is safe.”
Let’s Build Your Business Together.
Connect with a Banker or call 888-910-9707
Start the Conversation
Frequently Asked Questions
What is Cash Management and does my business actually need it?
Think of it as an upgrade to your standard business checking account. Instead of manually writing checks or waiting for client payments to arrive in the mail, Cash Management gives you a digital control panel. If you pay employees, send vendor wires, bill clients regularly, or want to integrate your banking details directly with QuickBooks®, these tools are designed for you.
What is the difference between an ACH Credit and an ACH Debit?
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ACH Credit (Paying Out): You push money out of your account to someone else. This is what you use to run direct deposit payroll for your employees or pay a vendor invoice digitally.
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ACH Debit (Collecting In): You pull money into your account from a client. This is ideal if you charge clients on a recurring schedule or monthly rents, letting you automatically collect funds on the exact due date.
How does Remote Deposit save me time?
Instead of packing up paper checks, driving to a local Midstates Bank branch, and waiting in the teller line, we install a secure, desktop scanner right at your workplace. You simply feed your incoming checks through the machine, and they are processed and deposited into your account digitally. It brings the bank branch directly to your desk.
Can these tools really stop check and electronic fraud?
Yes. Tools like Positive Pay act like a digital security guard for your accounts. When you write checks or send an ACH, you upload a quick list of the check numbers. payee names and amounts to us. When someone tries to edit an ACH or cash a check against your business, our system automatically audits it against your list. If the details or amounts don't match perfectly, we halt the payment and you'll be alerted so you can review it before any damage is done.
How does the QuickBooks® or Quicken® sync work?
Instead of spending your weekend downloading CSV files and trying to match bank statements line-by-line, WebConnect and Express WebConnect syncs your transaction data directly into your QuickBooks® or Quicken® software. It securely matches your inflows and outflows behind the scenes, flags suspicious anomalies, and keeps your accounting ledger clean and current with zero manual entry.
1 Fees may apply for Remote Deposit Capture, ACH Origination, and Wire services. Contact a Business Banker for current pricing and eligibility requirements.
Midstates Bank is a full-service financial institution with branches throughout western Iowa.
Maximize your business savings.
If you're looking to make a purchase, save for taxes, or are planning to build up your reserves, we offer the perfect solutions.
With two multiple account options, you'll be able to align your savings goals with your business.