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Commercial Banking

Texas Citizens Bank offers products and services for small to mid-size companies, medical practices and professional firms.

Our staff is highly experienced in working with and developing financial packages to meet companies credit, investment, cash management and other banking needs.

All decisions are made locally. We work hard to understand your business and we find solutions for those customers who have unique needs that require special attention.

Our bankers provide quality service and prompt responses. We offer a full line of credit products including financing for accounts receivable, inventory, equipment, acquisitions, expansions and owner occupied buildings.
 
For information on any of our Commercial Banking Services, please contact our Commercial Banking Representatives at 281.991.4949.

Card Services

Commercial Card Solutions - Take advantage of one of our commercial card solutions and you will have the ability to monitor and control expenses, enjoy greater convenience and flexibility with increased payment options for your business. Simplify all aspects of your travel and entertainment, fleet and purchasing processes, including policy compliance, transaction monitoring, security and payment.

Corporate Credit Card Services - Coordinate your business purchases with the MasterCard Business Card. You control the program by determining which individual within your organization receives a card, designate the credit limit assigned to each card and the billing method for purchase reporting.

Payroll Card - An innovative new corporate payroll product that can help you reduce your payroll administration costs and build employee loyalty. The payroll card is a Visa branded card that allows your company to offer direct deposit to employees in a fast, cost efficient and secure manner.

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Information Management

Check Imaging - Organizes and stores canceled checks and deposit slips into digital images. When your company receives monthly account statements, instead of receiving the original checks, you will be given an exact image of the front with details regarding the check number, the date it cleared, and the amount.

Corporate Capture - Revolutionize the way you process check transactions. Deploy our imaging and item capture technology from your work site and convert cumbersome paper items into manageable electronic transactions.

Electronic Data Interchange Service (EDI) - Utilize EDI to handle any type of recurring payment or collections. EDI eliminates many redundant back room processing functions and enables you to send and receive purchase information and invoices in standardized electronic formats.

e-Statements - Combines the latest in imaging technology with the convenience of the Internet to deliver monthly statements directly to your computer.

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Liquidity

BizReward Money Fund -An account that offers a high yield and links to the BizReward Checking. Liquidity is provided with up to 6 withdrawals per statement cycle.

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Payables Solutions

Automated Clearing House (ACH) - Available through our Cash Management suite of products, ACH provides a reliable, efficient and cost-effective system for processing payments electronically and economically.

Collections Web Delivery - View, store and approve items for payment with the click of a mouse. Our online system helps your company scrutinize your collection items faster and more cost-efficiently from virtually anywhere.

Direct Deposit of Payroll Service - A service that effectively and efficiently deposits your employees' payroll checks on time, no matter where they bank.

Direct Credit Service - From your personal computer, you can use our Cash Managements ACH to take advantage of the Automated Clearing House System to automatically provide direct credits to your suppliers or vendors.

Electronic Federal Tax Payment Service (EFTPS) - Enables taxpayers to handle their tax deposits in a fast and easy manner. Our service converts the current paper-based tax payment system into an electronic system.

Cash Management - Offers multiple financial tools that can make handling your finances easier than you ever imagined. Track your Texas Citizens Bank accounts right from your home or office. The power, convenience and security of the Internet bring this innovative banking technology right to your fingertips.

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Receivables Solutions

Remote Deposit - is a revolutionary electronic check processing tool that allows businesses to make check deposits electronically without having to physically transport checks to the bank.

Automated Clearing House (ACH) - Available through our Cash Management suite of products, ACH provides a reliable, efficient and cost-effective system for processing payments electronically and economically.

Cash Concentration Service - Electronic concentration allows you to move funds from multiple depository locations into a single, easily monitored cash pool to make the best possible use of your monetary assets.

Direct Debit Service - Use Cash Management ACH to take advantage of the Automated Clearing House System to automatically debit clients accounts and credit your operating account(s).

Lockbox Remittance Processing Service - Accelerate the availability of your deposits with our Lockbox service. The service allows incoming payments to bypass your corporate office and arrive directly to the bank. This process results in significantly reducing mail and processing time or collection float.

Lockbox Data Transmission and Data Integration Services - Automate your entire accounts receivable process with Texas Citizens Banks data transmission and integration services. Not only can you expedite your account receivable collections through lockbox processing, but you can also reduce the amount of time required to post your receipts to your account receivable system.

Lockbox Web Delivery - Take advantage of our latest product innovation to further enhance your existing lockbox services. To facilitate the receipt of your lockbox information, we have created an online product for your added convenience. You can safely view your lockbox data from your office, home, or wherever your travels may take you.

Merchant MasterCard / Visa Services - Our Merchant Services allow your company to accept client payments by MasterCard, Visa, American Express, Diners Club and Discover. Your company will receive timely, automatic credit directly to your depository account.

Cash Management - Offers multiple financial tools that can make handling your finances easier than you ever imagined. Track your Texas Citizens Bank accounts right from your home or office. The power, convenience and security of the Internet bring this innovative banking technology right to your fingertips.

Electronic Check Acceptance - Through Texas Citizens Bank' relationship with third party providers, we can provide your company with a more reliable and cost-effective way to accept checks with less risk.

Zero Balance Accounts (ZBA) - Using this service, your payroll account (or any other disbursement account) is funded automatically as checks are presented.

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Risk Management

Positive Pay Advantage - Available through our Cash Management suite, Positive Pay assists your company in protecting against check fraud as well as providing early warning of check irregularities such as encoding errors and multiple postings.

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Tribute to Bill Bailey Always be aware of phone calls or emails asking for personal information. Hang up or delete…keep your personal information safe.
713.948.5700