Whether you are just starting a company, or have an established family operation, or a large corporation, Austin Bank Treasury Management provides you the financial tools and information to improve cash flow and increase profits.

Cash Management Services include:

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Conduct your banking anywhere you have Internet access at any time.
• ACH Origination
• Direct Deposits
• Cash Concentration
• Electronic Vendor Payments
• Electronic Tax Payments

Account Balances and Activity Reporting...Learn More
• Access Accounts for Multiple Companies
• Access Personal and Business Accounts Together
• View Current and Previous Day Balances
• Account Analysis Statement
• Posted Transaction Data Export

Account Reconciliation ...Learn More
• Full Reconciliation
• Partial Reconciliation
• Check Serial Sort

CD-ROM Statement and Image Archive...Learn More

Stop Payment ...Learn More
• Check Inquiry
• Initiate or cancel stop payment request

Sweep to Investment or Loan Account ...Learn More
• Sweep to Overnight Repurchase Account
• Sweep to Revolving Line of Credit

Zero Balance Accounting ...Learn More

Wire Transfers ...Learn More

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Austin Net
Treaury Manager allows you to access accounts and initiate transactions via the Internet at any time.

• Review account balances and activity
• Transfer funds between your Austin Bank accounts
• Originate ACH Transactions and Direct Deposits
• Initiate Wires and Stop Payments
• Download Transactions
• Customize account access and authorization for your employees.
* Review five days of float information for cash flow management.

ACH Origination
Automated Clearing House Services provide an efficient, cost-effective way to disburse and collect funds electronically.

• Direct deposit provides a safe, convenient way to deposit payroll funds into your employees' checking or savings account.
• Cash Concentration enables you to collect money electronically from customers or remote banks.
• Electronic Vendor Payments provide a timely, cost-effective method of paying obligations
• Electronic Tax Payments allow you to pay both federal and state agencies electronically.

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Account Balances and Activity Reporting
With Austin Net, you can view balances and activity passing through your account whenever you need to.

• You can view current and previous day balance, ledger and collected balances, and float information.
• Export posted transaction activity in formats for input into financial management software
• Account analysis statements available. Offset account services or fees by maintaining adequate Average Positive Available Balance.

Account Reconciliation
Why not save time and the expense of manually reconciling your company's commercial accounts with one of Austin Bank's account reconcilement plans?

• Full Reconciliation compares a file of issued and voided checks, uploaded to us by you, to your current paid check information. You receive a fully reconciled statement of checks, and outstanding and exception items.
• Partial Reconciliation provides a detailed report of paid checks only. You may also export paid transaction for use with your accounts payable system using Treasury Manager.
• Check Serial Sort returns paid checks to you in check number order. You may also use this service in combination with the Full or Partial plan.


Contact a Treasury Management Officer
If you would like for a Treasury Management officer to contact you about any of our Treasury Management Services, please email us at:
tmservices@austinbank.com
or call 903-541-2061.

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CD-ROM Statement and Image Archive
Reduce storage and retrieval cost of statements and paid checks with Austin Bank's CD-ROM Image Archive service. At statement time, you will receive a CD with the current statement and high quality images of paid items.
• Research posted checks in seconds
• Reduce file space
• Reduce the risk of check fraud
• Makes an excellent companion to Account Reconciliation

Stop Payment
With Austin Net, you can initiate stop payment request without having to call or visit the bank. You are able to search for an issued check, to verify if it has paid, before entering your stop payment request.

Sweep to Investment or Loan Account
Use Austin Bank's Automated Sweep to minimize line of credit interest expense and maximize investment earnings.
• If balance in account at end of day is in excess of your "target balance", excess can be applied to your Revolving Line of Credit account or invested in your Overnight Repurchase Agreement* account.
• Market competitive investment yields

* Not FDIC Insured

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Zero Balance Accounting
Deposits made to a sub-account are automatically concentrated into your primary account. Funds are transferred as needed from the primary account to the sub-account where a zero balance is maintained.
• Gather funds from multiple locations
• Avoid idle balances pending payment of checks
• Automatically concentrate funds for investment

Wire Transfers
Austin Net allows you to quickly move funds electronically from your account to other bank accounts with Wire Transfers.
• Initiate domestic and international wires
• To enhance security, you may assign employee approval levels

Merchant Credit Card Processing

Increase your business sales with Austin Bank’s innovative credit card processing solutions customized to meet your business needs.

• Broad range of quality equipment and processing methods including global touch tone PC software and internet e-commerce solutions
• Accept payments for Visa/Mastercard, American Express and Discover Card

Benefits to you and your customers:
• Deliver more profit to your bottom line.
• Increase customers’ spending ability
• Reduce the acceptance of bad checks
• Terminal help desk support available 24 hours a day, 365 days a year
• Deal with someone you know and trust!
• Competitive rates and terms

CLICK HERE to access detailed information about your Merchant Account.

Contact a Treasury Management Officer
If you would like for a Treasury Management officer to contact you about any of our Treasury Management Services, please email us at:
tmservices@austinbank.com
or call 903-541-2061.

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