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CASH MANAGEMENT SOLUTIONS

Business Girl

Texas Bank and Trust Cash Management Solutions are designed to expedite the day-to-day financial management activities of your company, giving you more time to manage
your business.

 

 

ONLINE CASH MANAGEMENT SOLUTIONS

  • Monitor account activity
  • ACH Origination
  • Transfer funds between TBT accounts
  • View check images
  • Commercial bill pay
  • Manage user-access privileges
  • Wire transfers to vendors and suppliers
  • Make loan payments
  • Place stop payments on checks
  • And more...

 

 

ACH ORIGINATION*
 

Streamline your payments and receivables through the Automated Clearing House (ACH) Network

Our ACH Origination Solution: 

  • Allows you access to a paperless payment system for direct deposits (i.e. electronic transmission of payroll files) and automatic payments to vendors, suppliers, and other businesses
  • Enables you to move your billing and collection of routine payments out of a paper environment
  • Eliminates check preparation, storage, and retrieval costs

*This service is subject to credit approval.

 


CASH CONCENTRATION*
 

To prevent funds in multiple bank accounts from being idle and not earning sufficient interest, our CASH CONCENTRATION SOLUTION will allow you to use ACH to electronically pull from those accounts into a single interest-bearing account.  Cash Concentration is a more efficient way to move money from bank to bank, and makes managing your money from other locations a simple, more efficient task.

*This service is subject to credit approval.

 


POSITIVE PAY / ACCOUNT RECONCILIATION
 

POSITIVE PAY is an automated check-matching process in which your issued check file(s) are matched to a daily paid items list.  Exception items are identified and captured on a daily report that is referred to your for "pay/no pay" instructions.

Our Positive Pay Solution:

  • Helps you more readily identify potential fraudulent and/or other exception items daily
  • Enables you to instruct the bank to return identified items to the negotiating financial institution with easy "pay/no pay" instructions

ACCOUNT RECONCILIATION uses the "issued items" file(s) received from your company to provide you with a report of outstanding items at the end of your statement period.

Our Account Reconciliation Solution:

  • Enables you to save time and improve accuracy when balancing your business checking account(s). 
  • Improves management and audit controls by providing concise reports on check activity and account history information. 
  • Provides an electronic report of outstanding items at the end of your statement period

 


WIRE TRANSFERS
 

Wire Transfers can help promote more efficiency and better time management of movement of your business funds.

Our Wire Transfer Service Solution:

  • Enables you to electronically transfer funds faster 
  •  Is performed in a safe and secure environment, with same-day funds availability 
  • Provides for Repetitive and Free Form wires to be initiated online by any authorized user

 


REMOTE DEPOSIT CAPTURE (RDC)*
 

Remote Deposit Capture (RDC) allows you to scan checks from your place of business, and transmit those images directly to the bank for posting
and clearing.

Our Remote Deposit Capture Solution: 

  • Promotes convenience for your daily business account deposits
  • Eliminates the need to make copies of your checks
  • Reduces transportation costs
RDC

*This service is subject to credit approval.

 


CD-ROM STATEMENTS / eSTATEMENTS
 

Improve your business accounting with convenient alternatives to paper statements.  CD-ROM Statements and eSTATEMENTS are available with your TB&T business accounts.

Our CD-ROM Statements Solution:

  • Frees up valuable office storage / facility space
  • Keeps your entire statement / image archives on a single disc  
  • Provides you with accessible and printable images at  your convenience   
  • Provides you sorting and searching capabilities 
  • Eliminates the need to file checks
  • Provides an excellent format for archiving files

You may also receive electronic statements as an alternative to paper statements or a CD-ROM.

Our eSTATEMENT Solution:

  • Allows you to view your entire statement and images through TBT Online Banking
  • View your statements online for up to 15 months
  • Allows you to save an electronic copy on your personal computer for future reference.
    Learn more 

 


AUTOMATED INVESTMENT ACCOUNT
 

The Automated Investment Account is a convenient and secure "sweep" investment program that allows your excess funds to continuously work
for you.

Our Automated Investment Solution:  

  • Automatically sweeps funds in excess of a predetermined target balance into an investment account
  • Transfers funds to your business checking account when cash is needed to cover necessary dispursements
  • Earns interest for your money on collected balances daily and credits monthly

 


ZERO BALANCE ACCOUNTING
 

Manage your multiple business line accounts by consolidating your company's cash into one primary deposit account.

Our Zero Balance Account Solution:

  • Automatically transfers funds to or from an account as checks are deposited or presented for payment, and places those funds in an account that maintains a zero balance at the end of
    each day 

 


IRONKEY
 

Protect your company's financial data online and through mobile devices with a secure flash drive equipped with advanced encryption technology.

IronKey is a USB Device Solution that: 

 
  • Creates a secure line of communication between your computer and TBT’s online banking system
  • Encrypts your keyboard and helps prevent any unwanted attacks to your online banking session

 

IronKey CROPPED

This device must be installed on a computer that runs 2 GB of RAM, Windows XP SP3, Vista or 7 32 or 64 bit OS.

 


MERCHANT CREDIT CARD PROCESSING*
 

Expand your customers' payment options with Merchant Credit Card Processing from Texas Bank and Trust.

Our Merchant Services Solution:

  • Enables your business to accept credit cards, debit cards, gift cards, and other payment options
  • Simplifies your business operations and increases revenue
  • Allows you access to more streamlined payment reporting systems

If you are currently enrolled in a merchant services program, we can make switching easy.  Your business can be set up and ready to take debit/credit cards within 7 business days.
Learn more.

*This service is subject to credit approval.

 

TBT VISA® PAYCARD

If you are still cutting paper checks for any portion of your workforce, call us today and ask about using a Texas Bank and Trust PayCard as a partner product to your existing Direct Deposit system.  Set up is easy and we are ready to helpLearn more.

PayCard


TBT VISA® BUSINESS CARD*

Streamline your business purchases when you pay the convenient way - with the VISA® Business Card from Texas Bank and Trust.  Whether you are across the globe or just across town, you can enjoy peace of mind card protection and earn bonus points for every net retail purchase that you make! Redeem your Scorecard Reward points for brand-name merchandise and exciting travel rewards.  Your monthly itemized VISA® statement will also allow you to track business spending of multiple authorized cardholders.  Learn more.

*Subject to credit approval

 

Business VISA 2

 

  

 


ELECTRONIC DATA INTERCHANGE

Track your business ACH transactions with detailed information extracted from an ACH transaction with an addenda record provided in an easy-to-read PDF format.  You may also log on to the Federal Reserve site to view the addenda information following an email notification that the information
is available.

  


COMMERCIAL DEPOSIT ACCOUNTS
 

Our commercial checking accounts are tailored to fit any business banking need while helping you maintain efficient and accurate records.  Fees for commercial banking services can be offset by an earnings credit.

Our complete line of Commercial Account Solutions also include:

  • Small Business Checking
  • Commercial Super NOW Advantage
  • Non-Profit Account
  • Commercial Money Market Advantage  
    Learn more

 

 
 

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