Business

Treasury Management

Greater Control Over Your Funds

Smart money management starts with the right financial partner—one that can not only provide the right tools your business needs to efficiently and effectively manage your cash flow, but also local, personalized service to help you navigate your needs and challenges. Our Treasury Management Services can streamline accounting, lower costs, and reduce fraud. And as always, all our services are backed by our dedicated relationship managers, located right here in South Texas. 

 

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Tools for Success

ACH Origination

Automated Clearing House (ACH)—an electronic payment processing network for financial transactions—provides our business customers the opportunity to effectively manage their payables and receivables processes. Cost effective, ACH is not just for payroll.

ACH Services

Use our ACH Origination services to manage a variety of electronic transactions, including:

  • Payroll with Direct Deposits or Reimbursements
  • Child Support Payments
  • Tax Payments
  • Preauthorized Debits: Rent Dues, Gym Memberships, Insurance Payments
  • Supplier Payments

Benefits of ACH Payments

  • Quick and simple. Manage and track ACH through our digital banking platform, and enjoy faster transaction times over traditional check payments.
  • Eliminates the manual process and costs associated with check printing, paying for postage, and the cost of stop payment fees when checks get lost or stolen.
  • Improves cash management by digitizing the accounts payable process, giving you total control over the timing of your payments.
  • Helps lower processing costs and reduces exposure to check fraud.

Remote Deposit with Office Banker™

Remote Deposit Capture (RDC) gives businesses the ability to deposit checks right from the office, using an encrypted internet connection to transmit check images directly to the bank. A safe and secure way to make deposits. Types of checks that can be deposited remotely are U.S. Checks, U.S. Money Orders, Traveler’s Checks, Cashier’s Checks and U.S. Treasury Checks. 

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Benefits of Remote Deposit with Office Banker™

Faster Check Clearing:

Faster check clearing improves cash flow and streamlines operations.

Reduce Trips:

Reduces trips to the bank.

Decrease Deposit Preparation Time:

Decreases deposit preparation time and cost by eliminating the need for deposit tickets and making copies of checks.

Extended Deposit Deadlines:

Enjoy extended deposit deadlines and next-day availability (when processed by 9:00 p.m.).

Note: Not all checks items may receive next day availability and are subject for review and approval

Internet Banking Wire Transfers ​

Business customers can easily initiate domestic wire transfers across the United States, right from our online banking platform. With Internet Banking Wire Transfers, you can quickly process same-day and future-dated domestic wire payments.

Benefits of Internet Banking Wire Transfers

  • Fewer trips to the bank
  • Reduced fees
  • Extended wire transfer deadlines
  • No paperwork necessary
  • Receive email wire transfer notifications and alerts

Lockbox

With Lockbox, your customer payments are directed to a special post office box instead of being sent to you, where Lone Star processes your checks on your behalf, efficiently and securely. Lockbox provides an improved check collection experience, speeding up the availability of funds and offering same-day information access via electronic reporting (or traditional paper reporting). Enhance your back office processes by allowing Lone Star National Bank to directly receive and process the payments.

Benefits of Lockbox

  • Decreases the expense of receiving and processing payments.
  • Eliminates deposit preparation time.
  • Improves staff productivity by automating manual processes.
  • Decreases the potential for theft, fraud, or operational errors by reducing the number of employees that work each transaction.

Positive Pay for Checks

Because checks continue to be the payment method most often exposed to fraudulent activity, we offer this robust check fraud protection service. Positive Pay for Checks verifies each transaction, protecting your checking accounts from forged, altered, and counterfeit checks.

Benefits of Positive Pay for Checks

  • Minimizes check fraud by verifying the accuracy of a check's account number, date, and dollar amount.
  • Verification occurs when the check is presented for payment to the business issued check files—before any funds leave your account.

Positive Pay for ACH ​

A fraud prevention service offered to our business customers, Positive Pay for ACH allows you to easily control and monitor incoming ACH transactions to protect against unauthorized ACH Debits.

Benefits of Positive Pay for ACH

  • Reduces ACH fraud risk by monitoring and controlling all incoming ACH transactions.
  • Automatically blocks or filters incoming ACH transactions (Credits, Debits, or both).
  • Streamlines and improves operations.
Service available. Certain conditions apply.

Certain fees and conditions may apply. Fees are subject to change at the Bank’s discretion. Credit review and approval required for ACH Origination and Office Banker™

Connect with LSNB

Our team of relationship managers can help you customize the right suite of treasury management services for your business’s needs. Visit one of our many branches in South Texas, from the Rio Grande Valley to San Antonio, to explore our business banking products and find solutions to keep your company moving. Have Questions? We’re Here To Help! (956) 984-2440

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