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Treasury Management

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Here for Businesses in Houston: Treasury Management.

Central Bank's Houston treasury management services are here to help streamline your daily transactions — and to increase your sales with new payment options. Our financial experts will work closely with you to understand your line of work, gauge your individual goals and determine the treasury management options that make the most sense for you. Of course, as your business grows and changes, those payment options must follow suit. As a community bank that places customer relationships first, you can trust that we’ll be there to help through every stage of your business.

 

Central OnLine Banking

Central OnLine puts treasury and cash management services at your fingertips. Simple, secure and available 24 hours a day, our online banking platform allows you to check balances, transfer funds, pay bills — and everything in between — with just a few clicks of the mouse.

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Purchasing Credit Card

Multiple bills means multiple payments - and, oftentimes, added work for your back office. With the Central Bank Purchasing Credit Card, you can manage all of your business purchases in one secure (and easy) way. Purchasers enjoy benefits such as rebates on approved purchases, control over when and how purchases are made and reduced administrative work. Suppliers, meanwhile, see quicker payments and improved cash flow - without the hassle of time-consuming check deposits.

See application's terms and conditions. This card is issued by TCM Bank, N.A. Subject to credit approval.

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Business/Commercial Credit Cards

Central Bank will help keep your business spending organized with our Visa® Business Credit Cards. By choosing a Visa® Business Credit Card, you will have the ability to use your card both locally and all over the world. Taking care of business has never been so easy! You can keep track of expenses and allow your employees to travel with ease. Other benefits include:

  • Employee cards at no extra cost
  • Consolidated Statements and Comprehensive Reporting
  • Chip Card (EMV) Security
  • Fraud Monitoring and Zero Fraud Liability
  • Personal service from the people you know
  • Free Online Card Management
  • Link all accounts to one user

See application's terms and conditions. This card is issued by TCM Bank, N.A. Subject to credit approval.

APPLY NOW

Already have an account? Securely access your credit card statement 24/7.

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Same Day ACH/ACH Origination

With same day ACH/ACH origination, it’s all about secure convenience. Our web-based ACH (Automated Clearing House) system makes it possible to initiate, process and clear both credit and debit transactions on a single business day. Direct deposit payroll checks, pre-authorize payments, make tax payments and concentrate cash with one efficient, reliable — and cost-effective — system. In addition, ACH origination services ensure you can continue to maintain and disperse funds, even in the event of adverse weather.

Questions About Same Day ACH/ACH Origination?
Contact our Treasury Management Specialist at 832.782.5242 or

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Wire Origination

Through Central Bank’s secure Central OnLine web-based banking, you can transfer domestic and international funds between your company's accounts, and to third-party accounts, too. Create and save templates for frequent domestic and international wires and, for added convenience, use multi wire transfer to create multiple wires at once. Wire transfers guarantee recipients that funds are credible, which can help facilitate immediate shipment of goods. We offer ABA lookup and foreign currency wires with exchange rate view, too! 

Incoming Domestic

Please use these instructions for any wires within the United States. You will need to provide this information to the bank that is sending the wire to your Central Bank account.

  • Bank Name: Central Bank Houston
  • Bank Address: 11201 Clay Road, Houston, Texas 77041
  • ABA #: 113001077
  • Beneficiary Name: (Account name)
  • Beneficiary Address: (Account address)
  • Beneficiary Account #: (Your Central Bank account #)

Incoming International

Please use these instructions for any wires outside the United States Borders, unless the Financial Institution has a location within the United States and can process it as a Domestic Wire. The link below will direct you to the Western Union form where you will enter your information and recieve instructions to provide to the sender.

  1. Click on the link below  
  2. Choose the country you are receiving funds from
  3. Complete the relevant information in the online form and submit
  4. You will be then presented with the PDF deposit instructions. Please save it for your reference and email it to the sender and follow payment instructions.
  5. Ask the sender to :
    • present these instructions to their bank when sending the payment to you
    • deposit the amount into the dedicated account as stated in the instructions in local currency and not in USD
    • instruct bank teller to include payment note 00000-FI in the bank’s reference field as specified in the PDF deposit instructions

Incoming International Instructions

 


 

Lockbox Services

Mail accounts receivable payments directly to a specified post office for faster collection — and enjoy added convenience — with Central Bank lockbox services. Our couriers collect payments from the post office and deliver them to the bank for timely processing. Deposits are prepared and processed the same day, with check images, report listings and online invoices available daily.

Access Lockbox

 


 

Remote Deposit Capture

Don’t have time to travel to the bank to make that deposit? Opt for Central Bank remote deposit capture! With help from a compact scanner — or, for businesses with lower volumes of check deposits, web capture capabilities — you can deposit funds directly from your desk. This secure service brings added convenience to your busy day. Benefits include:

  • Convenience: No more daily trips to the bank
  • Reduced Expenses: Eliminates the cost and liability of regular bank trips, and reduces deposit preparation costs
  • Faster Clearing: Remote deposit speeds up the availability of funds and improves cash flow
  • Streamlined Operations: Automates the process of creating deposit tickets and improves posting accuracy
  • Peace of Mind: Ease and flexibility for daily deposits

Questions About Remote Deposit Capture?
Contact our Treasury Management Specialist at 832.782.5242 or

LEARN MORE

 


 

Positive Pay Fraud Detection

Positive Pay helps mitigate fraud by validating the authenticity of all checks and ACH items presented against your business checking account. For ACH, a list of approved merchants is provided by the customer. For checks, an electronic file, complete with check issue information, is uploaded. From there, we verify both the dollar amount and the check number as your checks are presented for payment. ACH and checks that fail to match your issue information are flagged as exceptions, requiring final review and approval by you. With fraudulent activity on the rise, Positive Pay helps protect your funds.

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Merchant Card Services

Central Bank merchant services bring speed, ease and security to your transaction processing. With the ability to accept a variety of consumer payment methods via credit and debit card — with help from a locally-based credit card processor — you can manage transactions while offering options to your clients. At the same time, fraud prevention measures help protect your important information from falling into the wrong hands. Features include:

  • Automated and expedited disbursement of payroll and collection of payments
  • Quick, convenient vendor payments
  • Reduced risk of fraud and unauthorized access
  • Streamlined accounts payable and receivables and improved cash flow forecasting
  • Elimination of paper checks means saved time and postage

Questions About Merchant Card Services?
Contact our Treasury Management Specialist at 832.782.5242 or

LEARN MORE

 


 

Nonprofit & Public Funds

Central Bank offers a full range of payment processing services aimed at making your life a little easier. Whether you oversee dozens of municipal utility districts (MUDs) or nonprofit membership dues, or your homeowners association (HOA) tracks annual fees for hundreds of families, we help eliminate the headaches associated with managing payment processing in-house.

Our customizable payment plans are centered around your nonprofit or association’s individual needs — at reasonable cost to you. Together, we’ll work through your organization’s current processes, discuss where you’d like to see yourself and create a unique payment plan that makes sense for both your agency and those making payments. Whether that means accessing a secure payment website to tend to business, making it possible for those you serve to make payments at the area grocery store — or following another route entirely — we’re here to help make it happen.

 

 

How Could Central Bank’s Houston Treasury Management Services Benefit You?

Let’s talk through your options together!

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