Business: Tools For Success

Tools for Success

Managing your company’s money successfully can be a challenge. Lone Star National Bank can make this easy for you by offering you our Tools for Success. Our Tools for Success are cash management services specially designed to meet the need of businesses.

Our Tools for Success include:

Automated Clearing House (ACH)

Automated Clearing House (ACH) is a nationwide network that gives you the capability to initiate and send electronic transactions. ACH origination is available as an “add-on” option to your FREE Internet Banking.

ACH transactions can help your business:

  • Set pre-arranged payments and deposits, such as paying your employees by direct deposit
  • Set pre-arranged debits, such as collecting payments from your business customers via direct debit
  • Initiate electronic transactions to pay federal and state business taxes
  • Arrange corporate trade exchange transactions, such as paying vendors for good and services

Visa® Business Debit and Credit Card

Lone Star National Bank offers the ease, convenience and flexibility of Visa® debit and credit cards to help manage your business better.

You can use your Lone Star National Bank Visa® Business Debit Card instead of a check to pay for purchases right from your checking account. Just present your card at the time of purchase, and the amount will be deducted from your checking account.

Merchant Services

Lone Star National Bank can help your business grow and cost-effectively maximize each opportunity with your customers by setting up credit and debit card processing today.

We can also integrate Electronic Check Services (ECS) tools to your existing credit card terminal system allowing your business to take checks from your customers risk free. We offer discount rates based on your monthly volume and average ticket sales. Personal service and quicker access to your funds are more ways we make banking easy for our business customers.

CD-ROM Statements

CD-ROM statements put an end to file cabinets and cumbersome paperwork. Instead of receiving your standard monthly paper statement, choose to receive our CD-ROM statements and start enjoying the benefits of being paperless. The images of your paid checks are captured and then stored electronically on a CD-ROM that will then allow you to retrieve them at your convenience.

The images on the CD-ROM can be searched by amount or check number, printed, rotated, flipped front and back and magnified for better viewing. You can also view and print your images via our FREE Internet Banking on a daily basis. Best of all, you can opt to have more than one account on your CD-ROM.

Zero Balance Accounts

We make banking easy for you by helping you manage your day-to-day cash flow.

Lone Star National Bank’s Zero Balance Account (ZBA) set-up helps you manage your accounts more efficiently by consolidating excess balances from multiple checking accounts into one. A ZBA can move funds automatically from your master account to the ZBAs to cover checks and other debits. Excess funds remaining in the ZBAs are then transferred back to your master account for easy cash flow management.

Positive Pay

We can help you protect your business from check fraud. Positive Pay is a service that allows you to review all check exceptions when they are presented for payment. All that is required is a check issue file of all checks that you issue for payment.

When checks are then presented for payment, we compare the items to those on your check issue file and we create an exception file for you to review via our FREE Internet Banking. You then view the exception items and make the decision to either pay or return all via Internet Banking. It’s that easy. Just another way we bring the bank to our business customers.

Office Banker™

With Office Banker™ you can scan money orders, consumer, cashier’s and corporate check images into a file and send them electronically to Lone Star National Bank without ever having to leave your business or office. No more lost time driving to the bank to make a deposit.
* Plus you’ll have the benefit of an extended deposit deadline of 9:00 p.m.

What are the Benefits of Office Banker™?

  • Increased Cash Flow
    Faster check clearing
  • Convenient and Safe
    Make deposit transactions in your office
  • Extended Deposits Deadlines
    Make deposits from your office until 9:00 p.m. versus a banking center deadline
  • Increased Efficiency
    Reduce clerical errors when adding deposits, and eliminate time-consuming trips to the bank
  • Next Day Availability
    Receive funds when checks are processed by 9:00 p.m.**

 

* Check items only.
** Not all check items may receive next day availability.
Office Banker™ subject to approval. Fees may apply.

e-Statements

Lone Star National Bank brings the bank to you by offering a FREE, convenient and secure way to access your monthly account statements without the hassle of sorting through stacks of paper statements with e-Statements. Access all of your monthly statements online via your email account, 24-hours a day, seven days a week.

With e-Statements you’ll never have to worry about losing a paper statement because you can access all of your past monthly statements from the moment you enroll.

e-Commercial Security Awareness Training

In order to comply with the Federal Financial Institutions Examination Council (FFIEC) regarding their Authentication in an Internet Banking Environment directives, all commercial customers that conduct online banking transactions such as wire and ACH transfers are encouraged to complete training regarding information security awareness annually. Lone Star National Bank is providing an online educational tool called "eCommercial Security Awareness Training" to facilitate learning in this area. The purpose of the training is to educate customers on safeguarding their online banking transactions in order to prevent theft of funds and identity.
To access this Security Awareness Training, please click here

Lone Star National Bank brings the bank to you by offering a FREE, convenient and secure way to access your monthly account statements without the hassle of sorting through stacks of paper statements with e-Statements. Access all of your monthly statements online via your email account, 24-hours a day, seven days a week. With e-Statements you’ll never have to worry about losing a paper statement because you can access all of your past monthly statements from the moment you enroll.

Together these specially designed services can be the tools for your success. Business Banking with Tools for Success, another of the many ways Lone Star National Bank brings the bank to you.

Products & Services

ATM's

Everyone uses ATMs to take money out of their bank account. Did you know that it is just as quick and easy to deposit money into your account with a Lone Star National Bank ATM? Learn how, watch our video on LSNB's Next Generation of ATM's

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