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Treasury Management Services

Treasury Management Services

 

First State Bank Central Texas is proud of our Texas-based philosophy of providing a consultative approach to working with commercial clients.  We offer the best in class services and a dedicated group of knowledgeable banking professionals who work with you to create an effective Treasury Management structure.

NetTeller Advantage Online Banking & Bill Payment

  • Commercial online banking accessible 24 hours a day 7 days a week
  • Administrator and User settings to customize user’s access to information
  • Balance and Transaction Reporting
  • Electronic Statements & Electronic Notices  
  • Online Bill Payment                         
  • Check and Deposited Item Images Online                         
  • Wire Transfers                         
  • Positive Pay as a check fraud preventative and reconciliation tool
  • ACH Positive Pay                         
  • Stop Payments & Research                                                              

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Electronic Statement & Electronic Notice / Image Servic

  • Statements are ready the morning following the statement cycle
  • Email notification that statements are ready for viewing
  • Check and deposit images are included
  • 18-months of statement history is stored within NetTeller Advantage
  • CD-Rom of statement, check and deposit images available

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FirstNet ACH Origination

  • Use ACH services for a cost effective solution for remittance and collection of funds
  • Direct Deposit of Employee’s net pay
  • Collection of receivables such as rental payments, association dues, insurance premiums
  • Pre-established maximum dollar limits by user, per file and per item

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 FirstNet Remote Deposit Capture

  • Conveniently deposit checks right from the office for quicker access to funds and less trips to the bank
  • Creates time-saving convenience to ensure checks are deposited every day
  • User friendly, compact scanning device is installed at customer’s office

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 Cash Vault

  • Local commercial cash vault services in each of our banking centers
  • Cash orders may be placed in advance for convenient pick up
  • Armored delivery services contracted by customer are honored
  • Notification of processed deposits to authorized company representatives

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 Commercial Credit Card

  • Commercial credit cards may be issued to employees for the payment of business expenses
  • Easily track and control expenditures
  • Choose maximum dollar limits per card
  • Statements of card activity may be accessed online
  • Choose a standard or preferred points card

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 LockBox

  • Let First State Bank Central Texas collect your accounts receivable
  • Reduce internal operating costs by outsourcing the posting of deposits
  • Images of deposited items and any remittance information is electronically provided to authorized company recipients

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Merchant Card

  • Accept credit and debit cards from your customers using our merchant program
  • Choose from a variety of electronic equipment options from batch processing, using a terminal for card-swiped transactions or enjoy the latest technology…
  • Use your smart phone and the hand-held device to swipe customer card payments

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 PayCard

  • Offer your employees the convenience of a paycard
  • Reduce check-writing expense and the chances of check fraud
  • Deposit net pay using ACH and offer the flexibility of a debit card

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 Positive Pay & Automated Clearing House Transaction Blocking

  • Mitigate the potential for check fraud by providing an electronic file of issued checks to the bank
  • Easily upload an issued file of checks issued upon issuance
  • Positively pay only items that are authorized by the company
  • Checks that are altered are identified and intercepted and authorized for return by the company
  • Place ACH Blocks on transactions that are not previously authorized
  • Choose a variety of ACH Block options – all, none or some

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 Target Balance Account

  • Maintain a zero or greater balance in subsidiary accounts for the purpose of retaining the integrity of separate accounts
  • Balances remain in one master account
  • As checks are presented for payment, funds transfer from the Master
  • Avoid insufficient balance situations so long as Master Account has sufficient balances

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 Wire Transfer

  • Using NetTeller Advantage originate and receive wire transfers electronically
  • A dual authority requirement allows for the company to control the wire transfer process at the company
  • Wire transfers, submitted by one employee, approved by a secondary employee are transmitted to the bank for processing
  • Limits are established by company, user, by day and dollar amount

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 Overnight Investment Account / Repurchase Agreement*

  • Maximize the return on excess operating funds overnight or for longer periods of time
  • Excess funds may be deposited in to the overnight or longer term investment option
  • Earn a competitive rate of return
  • Recommended minimum investment amount is $100,000

*Overnight Investment Accounts and Repurchase Agreements are not bank deposits.

*Investment is not guaranteed by First State Bank Central Texas, is not FDIC insured, and may involve risk to principal amount invested.

                                                                                                                                  LEARN MORE

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  • Business

NetTeller Advantage Online Banking & Bill Payment
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Electronic Statement & Electronic Notice / Image Service
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FirstNet ACH Origination
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FirstNet Remote Deposit Capture
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Cash Vault
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Commercial Credit Card
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LockBox
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Merchant Card
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PayCard
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Positive Pay & Automated Clearing House Transaction Blocking
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Target Balance Account
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Wire Transfer
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Overnight Investment Account / Repurchase Agreement