Treasury Services

With Bank of Houston, N.A. Online Banking, you have the convenience of doing your banking right from home or anywhere you have Internet access 24 hours a day, 7 days a week.

Take advantage of these services:

  • View latest account activity
  • Transfer funds between accounts
  • Pay recurring, occasional and one-time bills
  • Send and receive secure electronic messages concerning your accounts
  • Download account information directly into Quicken and Microsoft Money
  • Access convenient user services
  • E-Statements

If you have not enrolled with our Bank of Houston, N.A. Online Banking, please return to the home page and enroll today! It is quick and easy. If you have any questions, please contact your local branch.

Easy, convenient access to your money! Anytime! Anywhere!

ACCOUNT ANALYSIS
Account analysis allows a company to offset fees and service charges by maintaining compensating balances. Instead of an account being "hard charged" and debited for services throughout the month, a running total called "soft charges" is kept. At the end of the month, clients receive an earnings credit on the average daily collected balance maintained in the account(s).

If the amount of the earnings credit is greater than the soft charge total, no fees are deducted that month. If the amount of the earnings credit is less than the soft charge total the remaining fees will be deducted from the account balance.

INFORMATION MANAGEMENT
With our convenient commercial online banking portal, all the information and data you need to manage and grow your business is right at your fingertips. Our advanced tools give you the control you need to improve cash flow, complete transactions more efficiently and make more informed decisions all while providing real-time reporting access. Use Bank of Houston online banking with confidence. The highest standards of encryption, technology and soft token are in place to safeguard your company information.

ACH ORIGINATION
ACH services provide the convenience of delivering and receiving funds electronically through the Automated Clearing House (ACH) system, eliminating the need to write checks or send invoices. As an integrated element of our Commercial Online Banking system, payments can all be managed from one convenient location.

ACH enables you to automate your payroll, vendor payments and other disbursements, as well as streamline the management of your receivables, and gain improved online record-keeping all through our Commercial Online Banking portal.

ACH payments and collections may be originated through easily built Templates or NACHA (National Automated Clearing House Association) file transmission pass through.

SAME DAY ACH ORIGINATION
Companies can take advantage of Same Day ACH, which is among the first of new faster payment alternatives. While standard ACH payments process on a next business day or two business day basis, Same Day ACH allows you to initiate payments and receive funds same day.

Almost all types of ACH Payments, including both Credits and Debits are eligible for same day processing. However, International Transactions (IATs) and transactions above $25,000.00 will not be eligible for Same Day ACH.

WIRE TRANSFER
Wire Transfer services offer a convenient, secure electronic payment solution that provides an effective, reliable and streamlined way to send domestic and U.S. dollar international payments via our Commercial Online Banking portal. This service offers companies the ability to efficiently manage payment timing and provide same day settlement of funds with minimal risk. Timely, detailed information reporting and notification alerts provide an added layer of convenience.

POSITIVE PAY
Positive Pay is a fraud mitigation service that provides early detection of fraudulent, altered or counterfeit checks through a daily verification of checks presented for payment against a check issue file provided by the company. When checks are presented for payment, we will systemically compare the dollar amount and check number to the check-issue file ensuring that the information matches. If the checks presented do not match, we will notify you of the exception items via our Commercial Online Banking portal. Using the check information as well as a digital image of the check, you will need to review and decision whether you want the exception items to Pay or Return.

ACH POSITIVE PAY
ACH Positive Pay gives your business peace of mind to know that you can monitor activity to either accept or reject items before they post to your accounts. It gives you the oversight and control you need to make relevant, secure, and safe decisions for your company’s cash management. ACH Positive Pay allows you to setup preauthorized originators to pay automatically for future transactions by creating “payments rules” and establishing maximum payment limits for each. You will have the ability to make pay or no pay decisions on ACH transactions outside of your “payment rules” via our Commercial Online Banking portal.

REMOTE DEPOSIT
Remote Deposit provides companies the convenience of making U.S. Dollar check deposits without leaving the office by using a computer and a stand-alone scanner. Scan and capture multiple checks for a single deposit, review check totals before submitting the complete deposit to the bank. Paper checks are converted into electronic images which have the same legal standing as the physical check. Electronic images also add speed and increases your ability to monitor overall cash flow.

ZERO BALANCE ACCOUNTS
A Zero Balance Account will automatically maintain your payment and depository accounts at a zero balance by transferring funds either from or to your master operating account. Zero Balance Accounts are designed to help you eliminate manual transfers of funds between accounts, reduce idle cash and prevent overdrafts.

At the end of each business day, Bank of Houston automatically transfers funds from your master account into other accounts in the exact amount needed to cover your payments. It is an efficient way to simplify funds transfer activity while maintaining account autonomy.

MasterCard Debit Card

To report a lost of stolen MasterCard Debit Card please call 800.523.4175

To report fraudulent debit card activity after normal business hours call Transaction Review/Card Fraud Department at 800.327.8622

Click here to sign up for Debit Alerts:
https://alert.smsservicesnow.com/landing/dublinnb

If you are interested in receiving more information regarding the Mastercard Debit Card, please contact your local branch today.

Telebank

Here’s another way we make your account information accessible to you 24 hours a day, 7 days a week from your touch-tone phone.

888.471.3891

Bank of Houston, N.A. offers a "Voice Activated" Telephone Banking System. You may be asked to enter information upon your initial contact in order to establish a 6 digit access number. However once established, your 6 digit number along with any of your account numbers will allow you to obtain current information on your checking or savings account, your CDs, IRAs and even your loans. Transfer funds between accounts, make withdrawals and deposits, check your interest rates, change your 6 digit access number, and perform many other bank functions. Anytime.

  • Quick
  • Easy
  • Secure