• Origination of debits and credits
• Initiate direct deposit of payroll
• Initiate automatic payments or drafts

• Save time and money by tracking your transactions on a CD-ROM.
• CD-ROM Statements include detailed transactions, postings of wire transfers, ACH transactions and cashed checks.

Texas State Bank offers fast, easy, cost-effective and secure wire transfers. With Freedom BusinessNet you can initiate both domestic and international transfer instructions.

To help your business meet its cash management needs, Texas State Bank offers check reconciliation services. Texas State Bank reconciles your account information giving you the convenience to better manage your company’s cash flow and prevent losses from check fraud. Check Reconciliation Services include:

• Paid Items File
• Positive Pay
• Full Reconciliation Service

Paid Items File

With Texas State Bank’s Check Reconciliation Services, your company can receive an electronic file of all items paid to your account on a monthly basis.

Positive Pay

Positive Pay is a new weapon for the business community to fight check fraud. It is the best protection for your company against high-tech criminals who have the ability to duplicate checks.

By using Freedom BusinessNet, Texas State Bank ’s commercial Internet banking service, you will be able to transmit the check information directly into the database for processing.

Positive Pay allows your company to work together with Texas State Bank to detect and deter check fraud. Here is how it works.

• Each day, your company sends Texas State Bank an electronic file listing the details of all the checks issued that day. Check information sent consists of the check date, check number, amount and payee name.
• As the checks are presented to the Bank for payment, Texas State Bank compares the checks to the files sent by your company.
• If the presented checks match the items on file, the checks are paid.
• If the checks do not match the items on file, the Bank will notify your company.
• Your company then makes the ultimate pay/no pay decision.

Positive Pay is the most effective check fraud-fighting tool available today.

Full Reconciliation Service

Texas State Bank offers full reconciliation services to businesses that want additional help managing their cash flow.

Bank's Right to Terminate this Agreement – The Bank reserves the right to terminate this Online Access Agreement and your access to Online Services through Freedom Net, in whole or in part, at any time.

If your business requires more than an electronic paid items file and positive pay, your company can also receive several reports to help you keep a tighter control over your cash flow. These reports include:

• A report of items issued that your company instructed Texas State Bank to pay
• An exceptions report detailing items paid by Texas State Bank, but was not included in your company's issued check files
• A report listing all outstanding items issued by your company that have not been paid by the bank.