Make the most of your valuable cash assets with Plains State Bank’s flexible Treasury Management Services. We can help you with all facets of the cash flow cycle.

Accelerate Collections

Manage and Reconcile Disbursements

Consolidate and Invest Cash

Receive Updated Account Information Throughout the Day

Merchant Services

Treasury Management Services in Houston, TX

Managing your company’s money isn’t just about paying bills or making deposits. With the right tools, you can actually make your cash work harder for you. That’s where Treasury Management Services come in. They help you keep cash flowing, boost your liquidity, and keep financial risks in check.

Specialist Services Built Around Your Business

At Plains State Bank, we don’t just offer generic solutions. We shape banking and treasury management services around your business, so you get what you need to run things smoothly.

How Are Treasury Management Services Different From Everyday Business Banking?

Regular business banking handles your daily transactions. Treasury Management steps it up with automation. We bring in innovative tools that connect your banking with your treasury operations, so you’re not just scrambling to react to problems. Instead, you’re ready for what’s next.

Why Do Businesses Use Treasury Management Services?

Here’s what they can do for you:

Automated sweeps that move idle funds to earn more interest
Accurate forecasting, so you don’t get caught without enough cash
Faster, easier transfers that cut down on mistakes
Extra fraud protection, thanks to ongoing transaction monitoring
View your cash flow in real-time across all accounts, enabling informed decision-making

How Does This Help With Cash Flow Management?

Treasury Management gives you a live look at what’s coming in and what’s going out. You spot problems before they happen, especially during busy seasons. With our forecasting models, you can look at past trends and predict where your cash will be, so you keep your business running without needing to borrow unexpectedly.

How Does Risk and Treasury Management Protect My Business?

We take risk seriously. Our system mixes fraud detection with exposure analysis, so you’re covered against cyber threats and sudden market swings. You get multi-factor approvals and alerts for anything suspicious. It’s a layered approach that helps your business stay compliant and steady, even when things get unpredictable.

Adding Merchant Services to Treasury Management

Bringing Merchant Services into the mix means you get paid faster, especially with card payments or online sales. Our secure gateways push money to your account sooner, cutting down on wait times and improving your cash position:

Faster settlements, especially if you handle lots of transactions
Lower risk of chargebacks, thanks to better monitoring
Easier accounting, since everything syncs up smoothly

Can Treasury Cash Management Make Daily Operations Easier?

Absolutely. We automate account sweeps, so you’re always earning interest on idle cash and covering short-term needs without lifting a finger. We set custom thresholds based on your business, so you can stop stressing about manual transfers and focus on what matters.

How Do Treasury Management Services Help With Fraud Prevention?

We use positive pay and real-time transaction checks to flag any suspicious activity before money leaves your account. If something looks off, you get alerts, and we can stop the transaction.

Let’s Talk Treasury Management Services

If you want to get more out of your business’s finances, the team at Plains State Bank is here to help. Contact us for a complimentary consultation to discover how we can enhance and simplify your financial operations.

Collections

Lockbox: Reduce accounts receivable overhead and accelerate your check collections.
ACH Debits: Improve the certainty and speed of collecting repetitive payments.
Wire Transfers: Fast, irrevocable payments can be sent to your business by wire transfer.
Remote Deposit Capture: Deposit checks right at your computer and save the trip to the bank.

Information Reporting

PSB Business Online: Monitor your accounts 24 hours a day, 7 days a week
Zero Balance Accounts: Enjoy the convenience of multiple, operating accounts, the simplicity of managing a single pool of funds.
Account Reconciliation: Reduce the time it takes to reconcile your account by downloading paid checks directly from the Plains State Bank Online system.

Disbursements

Direct Deposit of Payroll: Eliminate the hassle of writing payroll checks and provide the benefit of payroll direct deposits to your employees.
Controlled Disbursements: Know early each morning, the total dollar amount of the checks that will be clearing your account that day.
Positive Pay: Reduce the potential for unauthorized checks.
Wire Transfers: Send large business payments quickly using Plains wire transfer service.

Note: With the installation of additional software, you may create Payroll files to direct deposit your employee’s payroll. You may also initiate Outgoing Domestic Wire Transfers. (These functions require the signing of additional agreements and are subject to a credit approval process. Accounts are also subject to normal wire transfer charges and ACH file transfer charges).