Disbursements
Reliably make payments, so the work of doing business doesn’t take so much work.
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Services Offered
Commercial Card[cite::2511::cite]
In today’s global marketplace, companies are more diverse than ever in how and where they do business. It is more important than ever to find simple solutions that bring your corporate expenses back into tight control and efficient management.
That is what the Commercial Card[cite::2512::cite] is designed to do. The Commercial Card is a single charge card that allows companies to take advantage of simplified management and maximized savings.
Features and Benefits
- Online Administration The Card Management program allows you to issue, close and change cardholder access from the convenience of your computer.
- Purchasing Control Designate what types of purchases are authorized and define credit limits for individual cardholders.
- Revenue Sharing Competitive annual profit sharing. Earn more for increased spend.
- Electronic Expense Reporting Manage your expense report online, including card transactions and out-of-pocket items. Transmit receipts through a mobile picture upload.
- Travel Expense Control Create a travel expense program offering maximum flexibility and usability for traveling employees.
- Fleet Monitoring Facilitates easy payment for all fleet expenses, including repairs and purchases at service stations nationwide.
- Extensive Reporting Through Visa IntelliLink®, management reports help pinpoint buying trends and preferred suppliers. Significantly reduces the costs associated with requisitions, purchase orders and checks.
- Integration Your card transaction data can be integrated into your accounting system through customizable reports.
- Corporate Billing All your Commercial Card payments are billed through a single source; reducing the time spent on administration, helping you achieve greater cost savings.
- Account Management Team With a dedicated account manager, you have an experienced resource to help you maximize your program’s potential.
MineralTree® Invoice-to-Pay: AP and Payment Automation
MineralTree® Invoice-to-Pay[cite::2157::cite] enables businesses to increase end-to-end accounts payable efficiency, reduce processing costs, improve control over outgoing cash flow, reduce fraud risk and improve internal accounting controls. And with the ability to move some AP payments onto corporate credit cards, businesses can earn additional rebates and rewards. It includes bi-directional integration with most popular accounting systems while processing check and electronic payments directly with Amegy Bank.
Benefits of MineralTree® Invoice-to-Pay
- Lower Processing Costs - Businesses using MineralTree® Invoice-to-Pay can potentially save 70% or more on payment processing costs, in addition to receiving cash back from credit card payments and early-pay discounts.
- Increase Efficiency - By enabling automatic purchase order matching and invoice coding, providing online invoice and payment approvals, eliminating manual check issuance, and simplifying electronic payments, MineralTree® can dramatically increase efficiency.
- Control Outgoing Cash Flow - MineralTree® helps to ensure that payments reach vendors in the shortest time possible, and businesses always have clear visibility into the amount of time a payment takes to reach a vendor. As a result, vendor payments can be precisely timed and future-dated to ensure maximum control over outgoing cash.
- Reduce Payment Risk - MineralTree® Invoice-to-Pay includes advanced payment security features such as two-factor authentication, two-factor payment verification, payment limits, and integration with bank Positive Pay.
- Improve Internal Accounting Controls - MineralTree® assists businesses to implement important payment controls such as segregation of duties and dual approval. Audit trails are maintained for key approval steps, along with alerts and notifications to ensure proper control monitoring.
Learn more about MineralTree® Invoice-to-Pay here.
Controlled Disbursements
Efficiently managing the day-to-day cash funding needs of your company can be challenging. Controlled Disbursement Services are designed to provide accurate disbursement totals early each day. With the knowledge of exact disbursement funding requirements, maximum utilization of funds can be achieved.
Features and Benefits
- Eliminate Forecasting. Know when checks will clear an account through accurate reporting services.
- Provide Accurate Totals Daily. Checks that are posted at night are available through a web-based balance reporting service early the next morning.
- Maximize Funds. Eliminate idle balances and get the information you need to maximize interest income on deposits and minimize interest expense on loans.
- Works with Positive Pay. Assists in compliance with Sarbanes Oxley.
- Enhance and Ease Research and Reconciliation. Utilize offerings like account reconciliation and image services. Offers account reconciliation and image services to enhance and ease research and reconciliation.
- Additional Average Float. Provides remote presentment points that result in additional average float.
Payroll Card
The Skylight® PayOptions[cite::2513::cite] program is an innovative and convenient payroll card solution that allows organizations to achieve a cost effective, 100% electronic payroll for employees without traditional banking services or for those who simply want more options.
The Skylight ONE Card is a Visa® branded card that provides access to funds at millions of ATM and retail locations, even online and over the phone. In addition, the Skylight ONE Card offers flexibility and convenience, plus several features and benefits.
The Skylight® PayOptions Features and Benefits
- FDIC Insurance. Funds in cardholder accounts are FDIC insured, up to FDIC coverage limits, through participating bank partners.
- Visa Zero Liability and Regulation E. Cardholder’s online, signature, and PIN based transactions. Enjoy all the fraud protection benefits of Visa’s zero liability program and federal Regulation E.
- Seamless Integration. NetSpend® handles all aspects of program management and works directly within employers’ current payroll systems.
- Portability. Employees can continue to use the same account and card should they change jobs.
- Instant Issuance. Employers receive branded Instant Issue Packs that allow the flexibility to enroll employees online as needed.
- Worldwide Acceptance. Cardholders can spend their funds anywhere Visa debit cards are accepted for purchases.
- Convenience Checks. Cardholders can utilize Skylight Checks to draw 100% of payroll funds from their accounts.
- Real‐Time Funding. An ACH funding alternative for clients which is available 24/7.
- Corporate Portal. The Portal is an employer’s single access point for conducting program management functions such as enrollment, real‐time funding, and reporting.
- Dedicated Support. Implementation and Client Services support teams facilitate the ordering and distribution of marketing materials, Instant Issue Packs, and any additional information needed for employers and employees to get started with the Skylight ONE Card experience.
- Training and Communication Materials. NetSpend’s proven training and communication methodology and activation strategy allow clients to maximize employee participation.
- 24‐hour Account Information. Cardholders have 24/7 access to account information via text or email alerts, automated phone system, and online banking.
- Unparalleled Access to Funds. Cardholders can obtain their entire pay free of charge through multiple channels. Certain other transactions may incur fees.
Wire Transfer Services
We provide both domestic and international wire transfer services for our customers. Wire transfers are as simple as turning on the computer or picking up the phone. You can initiate wire transfer requests over the telephone or using your personal computer.
Features and Benefits
- Expanded Security Controls. Security features include personal identification numbers, dual authorization and maximum dollar limits on an account and / or individual basis when calling or scheduling wires online. When initiating payments online, users will require a username, password, and secure entry token.
- Repetitive Wires. We can establish convenient, pre-arranged wire instructions as repetitive transfers, indicated by a repeat number. Each time you process repetitive transfers, simply input any variable repeat numbers, amounts, and text. You can use this feature over the Internet or over the telephone.
- Automatic Standing Transfers. If you need a repetitive transfer (e.g., daily, weekly, monthly), you can pre-arrange transfers so that they are completed automatically.
- Future-Dated Transfers. We initiate wires for transfer on future dates to accommodate your special needs. When you set up a future-dated transfer, we do not move the funds until the future date; however, the future date cannot exceed 90 days. You can use this feature over the Internet or over the telephone.
- Drawdown Wire Transfers. You initiate drawdown requests to consolidate funds from your company's or another party's account at a different bank. With proper authorization at the sending bank, the funds are transferred to your account through incoming wire transfer.
Contact Treasury Management
Dallas:
214-754-9474
Houston:
713-235-8805
San Antonio:
210-343-4419