|
|
Account Reconciliation
Account Reconciliation offers you a range of options to reconcile paid checks
and identify outstanding checks. Full reconciliation and positive pay are
available by transmitting your "checks issued" file to us; we compare issued
checks and paid items to complete the process. Partial reconciliation provides
a list of paid items so you can automatically update your own accounts payable
system. Deposit reconciliation tracks deposits made at multiple locations; each
location is assigned a number that is pre-printed in the MICR line of the
deposit slip, allowing the customer to deposit into one account and still have
an accounting of deposit amounts by location.
Automated Clearing House
A payment system providing an electronic parallel to the Federal Reserve check
clearing system, Automated Clearing House (ACH) transfers can contain more
information than a check and are more cost efficient. ACH debits and credits
can be originated through the Texas Capital Treasury Manager system. Payroll
credits, tax payments and cash concentration are some examples of ACH
transactions.
Treasury Manager
The Texas Capital Bank Treasury Manager Information Reporting service is an
ideal tool for any company that needs access to cash position information,
reconciliation and wire transfers, both incoming and outgoing. The Treasury
Manager receives previous-day and current-day updates of balances, deposits,
disbursements and ACH and wire transfer transactions. The information is
available through our web site or on your PC using our software.
Check Conversion
Select Payment's Check
Conversion™ service enables businesses to instantly convert paper checks into
ACH transactions. This reduces, or even eliminates, many of the costs and
liabilities associated with traditional check processing. Check Conversion™
supports a variety of payment options, including lockbox remittance processing,
retail point-of-purchase and payment windows.
Check Imaging
Check Imaging electronically captures the front and back image of a paid check
and stores it on CD-ROM. The CD-ROM is then sent to you in place of canceled
checks. You may also access your check images through our Image Depot.
Cash Vault Services
The Cash Vault, a secured area for processing large volumes of cash deposits,
also performs the service of selling coin and currency and the replenishment of
ATM cash. We also offer the ESAFE for secure storage and capture of local cash
deposits for courier pick up.
Controlled Disbursement
Controlled Disbursement provides same-day notification, by mid-morning, of the
total dollar amount of checks that will clear against the controlled
disbursement account that day.
Courier Service
Courier Service is a convenient way to deliver your deposits to Texas Capital
Bank. Since we do not plan to have many "brick and mortar" locations, we pick
up corporate deposits and deliver them to the nearest Texas Capital Bank
location for processing. You can select daily, less-than-daily or on-demand
"hot shot" pick up.
Real-Time Balance Reporting
Real-Time Balance Reporting (RTBR) is an Internet-based product that allows
companies to review account transactions on a "real-time" basis as they are
posted to a Texas Capital Bank account throughout the day. These transactions
include deposits or withdrawals memo-posted through a Texas Capital Bank
Teller, ACH and Wire Transfer account activities.
E-Billing
Electronic Bill Presentment and Payment is the automation of billing and
collection. Invoices can be electronically presented on your web site, where
your customers can review their own invoices and pay by credit card or by an
ACH debit to their bank accounts.
Electronic Check
Select Payment's Electronic
Check™ system enables merchants to accept and process e-checks quickly,
affordably and securely. The system supports a variety of payment options,
including Internet checks, telephone checks and recurring payments. Electronic
Check™ combines the flexibility and immediacy of e-payments with the comfort
and familiarity of paying by check.
Integrated Payables Account
You may elect to outsource your accounts payable function to Texas Capital
Bank, where we consolidate checks and ACH payments into our system for
processing. This eliminates the internal cost of check printing and
reconciliation of the payables and helps you move more quickly to conversion of
payments to ACH.
Lockbox
This is a collection system in which Texas Capital Bank processes and deposits
your mail receipts. Our wholesale platform includes online, real-time images,
which allows your PC to access images of the check, the invoice, the envelope
and other information sent with the payment.
Purchasing Card
The Purchasing Card is a payment mechanism that offers a solution for small
dollar purchases with unique control over each card issued, such as ceilings on
daily purchases, limits on individual purchases and vendor blocking within
unapproved merchant categories.
Sweep Account
A bank account that automatically transfers excess balances into an Investment
Account, our Sweep Account offers five different funds and two classes of
shares.
Wire Transfer
Customer-initiated wires can be set up through our Texas Capital Treasury
Manager. Confirmation numbers of outgoing wires are available in "real time,"
and customers are notified immediately of all incoming wires.
Zero-Balance Account
With the Zero-Balance Account (ZBA), you make deposits or write checks as you
would with any checking account. Funds flow automatically between the ZBA and
the master account at the end of the day. The balance can be set at any amount
you request. Texas Capital Bank is working every day to provide the Treasury
Management services that best fit your individual needs - every one of them
designed to help eliminate the inefficiencies of paper, make your cash earn
more and in general reduce your operating costs. For more information, call
your Treasury Management representative at Texas Capital Bank or
1.877.TEX.BANK.
|