
9 Best Ways to Prevent Debit Card Fraud [2020]
Texas Citizens Bank Operations Manager Carol Barton Explains How You Can Avoid Card Fraud The Current State of Card Fraud Debit card fraud continues to claim more victims every year. Javelin Strategy and Research estimates that 16.7 million U.S. consumers experienced fraud in 2017. In this article, we’ll go over tips for…Continue Reading »

CRE Loan Case Study: Real Estate Refinance for Houston Logistics & Export Facility
Texas Citizens Bank recently refinanced an owner-occupied real estate property in Greater Houston. The working capital from the real estate refinance empowered the operator to oversee a project worth nearly $100 million, which created dozens of jobs in the process. Additionally, the refinance provided the customer with cash out and debt service…Continue Reading »

Do I Need a Separate Bank Account for My Small Business?
TL;DR: Maintaining Separation Between Your Business and Personal Life Saves You Time and Sanity As a small business owner, you may not see the need to open a business bank account. After all, products like QuickBooks and FreshBooks make it easy to sort business from personal. But if the goal is to…Continue Reading »

How to Choose a Banker for Your Houston Small Business
7 Steps to Finding a Business Lender that’s More Advisor than Salesperson Finance guru and talk radio personality Dave Ramsey encourages his listeners to look for financial advisors with the “heart of a teacher.” Of course, that’s easier said than done when it comes to business banking. After all, salespeople outnumber…Continue Reading »

3 Game-Changing Business Banking Services Every Entrepreneur Needs
How Treasury Management Services (TMS) Can Boost Your Business The best banks offer business services beyond loans and deposits. Taking advantage of your bank’s Treasury Management Services (TMS) could save you countless hours in tedious tasks. What is Treasury Management? Treasury Management is a broad term that refers to the collection, concentration,…Continue Reading »

6 Small Business Loans and Financing Options to Fund Your Houston Business
Proven methods for financing common small business needs From angel investors to crowd-sourced platforms like Kickstarter, there are now several creative ways you can fund your business in 2018. While both of these financing examples provide interest-less capital, each require you to give up a degree of control. There are no guarantees…Continue Reading »

How to Identify, Avoid, and Report Check Fraud in 2020 [Infographic]
Updated August 20, 2020 Since credit and debit card skimming caught fire in 2008, banks have made card fraud a top priority. The first sweeping change came in 2015. After identity theft complaints peaked at 490,220, many carriers switched to the more secure EMV cards. Those tiny silver EMV chips on your…Continue Reading »

The Dangers of Cash Advance and Short-Term Loans
5 Essential Questions to Ask When Considering Cash Advance and Shorter-Term Loan Options Updated August 20, 2020 What is a cash advance loan? Cash advance loans, also known as merchant cash advances (MCAs), are the product that birthed the online lending industry. A solution for business owners ineligible for bank approval, cash…Continue Reading »