Business Banking on the Go


It’s safe, secure, and it’s FREE! Online banking is never closed and our online banking technology is leading edge. It is a real-time system, so you can see up-to-the-minute account activity. Transferring funds between your Welch State Bank accounts has never been easier. You can even provide access to bookkeeping staff or accountants with limited access to information as needed to get the job done. Bank at the speed of you!

  • Balance and transaction inquiries
  • Cash Management (ACH origination)
  • Stop Pay requests
  • Free business Bill Pay if you choose
  • View account history and check images
  • Receiving Institution’s account number
  • Wire Requests
  • Reorder checks
  • Download transactions into Quicken or QuickBooks Pro
  • Electronic Federal Tax Payment System (EFTPS) payments


Cash Management is a service within online banking. Cash Management gives business customers the ability to create an Automated Clearing House (ACH) entries, Electronic Funds Tax Payment System (EFTPS) and Wire Transfer requests. ACH entries are often used for direct deposit of payroll but can be used for many other purposes such as direct collection of monthly membership fees, moving funds to and from other institutions, and payment remittance. Transactions can be:

  • Occasional
  • Variable reccurring
  • One time
  • All can be either debit or credit entries
  • Fixed reoccurring

Because of security requirements and sensitive nature of the information you transmit, you must be pre-authorized to use these services.

Need assistance? Contact us today and ask for Online Banking Support.


Bank anytime, anywhere! It’s FREE* and available to all Welch State Bank online banking customers. Our mobile banking allows you to check balances, make transfers, and find locations. Now, you can pay any bills that you have authorized in Internet banking.

*Standard mobile web fees may apply. Please contact your mobile carrier for more information. Third Party Message, Data or ISP fees may apply

  •  Accounts: Check your account balance(s) and search recent transactions by date, amount, or check number.
  •  Transfers: Easily transfer funds between your accounts.
  •  Locations: Find nearby branches and ATMs using the iPhone’s built-in GPS. Additionally, you can search by zip code or address.


Mobile Check Deposit is a way to deposit checks using your mobile device. All you need is our Mobile App! Once you have established an Online Banking account, you can download our Welch State Bank app to your phone and log in with the same credentials. Mobile Check Deposit can be used on iPhone, Android, and iPads apps. Below are limit restrictions for Mobile Check Deposit.

  • Standard Check limit is $5,000 for a rolling 7-day period.
  •  Any checks deposited must be endorsed with the words, “For WSB Mobile Check Deposit Only”

Call today to get this amazing feature activated! We recommend a 90-day waiting period before you destroy any Mobile Check Deposit images. After 90 days you may destroy via secure disposal method.


Direct Merchant is often referred to as remote deposit capture. This service gives you the ability to deposit checks from the convenience of your office. This service is not only convenient; it can save you time and money by limiting the trips necessary to make your deposits. There is no equipment to buy and we assist you in installing a small check imaging device. Check images are captured and securely transmitted via the Internet to Welch State Bank using 128-bit encryption. You retain the original scanned checks for 90 days then destroy them. The deposit will be credited in accordance with our Funds Availability Policy. Typically you get same day credit for deposits made before 5:00 pm.

Important Note: You cannot deposit cash via Direct Merchant. There may be fees associated with the use of this product. Welch State Bank provides the scanning device and retains ownership in the scanning device for the length of the service.

Need assistance? Contact us today and ask for Online Banking Support.


It’s hard to run a business if you cannot accept credit or debit cards. We can help! Businesses incur big losses in accepting checks due to fraud and returned checks. Merchant Services can help you control your risks and improve cash flow. If you run a business, chances are you have been approached by salespersons offering a credit card merchant package that is too good to believe. When you compare apples to apples, we will be more than competitive. For more information on this great service, please contact us at 918-544-9100 and ask to speak with Jay Victor, Tina Tristan, or Teresa Patrick. You can also email us at


Retrieve balances and review transaction history via text message. You can setup Text Banking through your online banking account. *Standard mobile web fees may apply. Please contact your mobile carrier for more information.*Third Party Message, Data or ISP fees may apply