Banking Services

24 Hour Telephone Banking
Check Card
Online Banking/Bill Pay
Cash Management
Merchant Capture
Merchant Services
Positive Pay
eStatements
Safe Deposit Boxes

24-HOUR TELEPHONE BANKING
For customer convenience, you can access your account day or night. Simply call our local or toll-free number and follow the prompts. Use your social security number and account number to select your new PIN. The numbers that you may use are:

Local (936) 273-7800
Toll-Free (877) 898-8922

CHECK CARD
It Looks Like a Credit Card. It Acts Like a Check! Since it is part of the visa network, you can use it like a credit card to make purchases but instead of charging a purchase on a credit card, the amount of your purchase is deducted automatically from your checking account. Over 13 million merchants worldwide accept the Visa Check Card.

Like a credit card…

• Order items by phone or mail
• Use in places checks are not accepted
• Use at any retailer where Visa is accepted

Like an ATM card…

• Withdraw from your available balance
• Make balance inquiries
• Use instead of writing a check

No Hassle. Writing a check can involve delays for ID verification and the disclosure of personal information such as work or home phone numbers. With the Texas Community Bank Check Card, you can bypass all of those delays. Just swipe, sign and off you go! Simply save your receipts and enter them as usual in your check register.

ONLINE BANKING & BILL PAY
Access and manage your money 24/7! With online banking, you can view transactions, checks balances and transfer between accounts.  And, if that’s not enough, our FREE bill pay service let’s you manage and pay bills anywhere, anytime. It’s quick, convenient and saves you money.
 
CASH MANAGEMENT
Cash is king for any business. With our cash management service, eCorp, you can maximize cash flow and cost efficiencies. Through the cash management options, you can:

• Access account information and reporting via the Internet, 24 hours a day
• Initiate electronic transactions online (Automated Clearing House (ACH) and wires)
• Save your finance staff valuable time
• Accelerate access to funds
• Reduce manual check writing
• Reduce the likelihood of check and electronic (ACH) fraud
• Allow you to access check images online

MERCHANT CAPTURE 
Texas Community Bank’s Merchant Capture technology allows you to deposit checks 24/7 without ever leaving your office. You simply image checks at your location(s) and submit the images through a secure Internet connection that automatically reads your checks for deposit amount and other key information. With Merchant Capture, you can benefit from:

• Increased productivity from reduction in time-consuming trips to the branch
• Reduced courier fees related to check deposits
• Faster, more automated deposit preparation process
• Same-day ledger credit for deposits made until 6 pm CST each business day
• Ability to consolidate banking relationships resulting from less dependency on branch geography

MERCHANT SERVICES
In today’s competitive environment, your business needs to leverage all of its assets to optimize revenue potential. By delivering comprehensive, state-of-the-art payment processing solutions at an affordable cost to you, Texas Community Bank, through our payment processing partner Element Payment Services, gives you the ability to maximize productivity and profitability.

POSITIVE PAY 
Protect your business from fraud with Positive Pay. Through this FREE service, you provide Texas Community Bank with your check-issue information, and each day, Texas Community Bank verifies both the dollar amount and the check number as your checks are presented for payment. Any checks that fail to match your issue information, called "exceptions," are researched. If an unauthorized or altered check is identified, we will notify you electronically. You review the exception items and indicate online whether the checks are to be paid or returned.

ESTATEMENTS
eStatements are a quick, convenient and secure way to receive your bank statement.  After enrolling in the service, you will receive an email notification the day after your statement cycle closes letting you know your statement is now available for viewing.  From anywhere that has Internet access, you just log on to a secure website and view your statement including check images.  It’s E-asy!

SAFE DEPOSIT BOX
Safe Deposit Boxes are dual controlled lock boxes located in the bank vault for customer use. Only authorized signers and bank personnel may enter the boxes. Boxes cannot be opened with one key, the customer key and bank key must be used simultaneously to provide maximum security.

Key Replacement Cost: Necessary fees
Box Drilling: Necessary fees