Vista Bank Texas
Treasury Management

Vista Bank’s commitment to helping commercial customers manage their operations more effectively is evident in our Treasury Management offerings. We can help you manage your working capital with the utilization of technological services that transition your receivables and payables processing and information reporting from paper to electronic.

  • Remote Deposit Capture

    Bring the bank to your office! Commercial customers simply scan their paper checks, verify the deposit and transmit the images to the bank to be deposited into their bank account. Fast, easy and eliminates trips to the bank.

  • ACH Origination

    Enables commercial customers to originate ACH transactions online to process payroll direct deposit, vendor payments, state and federal tax payments and cash concentrate corporate funds.

  • Wire Transfers

    Enables commercial customers to originate wire transfers online, either same-day, future-dated, domestic or international with information reporting included.

  • Commercial Bill Pay and eBill

    Make your accounts payable process easier by paying anyone, anytime, anywhere in the nation with Bill Pay and automatically download cleared transactions into QuickBooks. Also, eliminate paper statements by receiving electronic statements of bills coming due.

  • Positive Pay

    Reduce check fraud by matching your issued checks against the checks presented for payment against your commercial bank account. Should a check attempt to clear your account that was not authorized, the Bank will take the necessary steps to return it along with any future unauthorized checks.

  • Third Party Depository

    Leverage our strategic alliance with a “Correspondent Bank” nationwide by making deposits to your Vista Bank commercial account at any of our designated Correspondent Bank’s branch, motor bank or supermarket locations.

  • Lockbox Processing

    Accelerates the collection process by allowing commercial customers incoming receivables to bypass their office and be sent directly to the bank for immediate processing. Correspondence is sorted for deposit processing and remittance reporting in accordance with the company’s requirements.

  • Merchant Services

    Encompasses a vast array of services that include traditional credit card processing, debit card or pin-based transactions as well as check verification, check guarantee and check conversion.

  • Sweeps Arrangements

    Eliminates idle cash by sweeping excess balances to a designated account to earn interest or to pay down on a revolving line of credit.

  • Zero Balance Accounts

    Eliminates manual transfers by pooling funds from subsidiary bank accounts to a designated operating account to fund daily operational expenses.

  • Corporate Credit Card

    Makes managing business expenses easier by automatically tracking purchases on a monthly itemized statement, eliminates the need to use personal funds for business expenses and makes identification of business deductions easier for tax reporting purposes.

  • Online Bank Statements

    Bank statements are available online for you to view and print in order to start reconciling your bank accounts.

  • CCD-CTX Statements

    CCD, CTX and other EDI ACH information is available in a text-formatted statement online for you to view and print the line-by-line account of each payment invoice.

 
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