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Cash Management

Payroll Direct Deposit or Direct Billing

Cash Management is a powerful Internet-based money management tool with user-friendly functionality. Whether you need payroll direct deposit or direct billing, both are easy to manage with ASB&Ts Cash Management services. Cash Management is the ability to upload an ACH file created by you, using the built in software or utilizing your existing system.

Direct deposit guards against lost checks and gives your employees the benefit of knowing their paycheck has been safely deposited into their checking account whether they are at home or away on business.

Direct billing allows you to manage your company’s funds more efficiently. American State Bank customers pre-authorize their accounts to be directly billed on a specific day and the funds credited to you. There are a lot of possibilities within the electronic payroll and billing arena. Contact us for more information about self-directed cash management tools. Please call 1-800-486-8173, 701-774-4100, or email

Business and Financial Statement Consulting

Our lenders are here to offer more than business loans. We have many years of experience working for businesses in all stages of development and are here to work with you on your business plan and financial statement analysis. Help is available if you are starting a new business or expanding an existing business. Contact the Commercial Banking Department for more information