Moody National Bank believes the key to an effective business banking relationship is fit. We achieve that fit by matching our Treasury Management Services to the particular needs of your company. Working with you, we analyze your business thoroughly and objectively. Based on this analysis, we propose a cost-efficient Moody Bank strategy for cash flow management and funds utilization. Clear, accurate, timely information and services will allow you to maximize the use and handling of your funds.

With information from Moody Bank Treasury Management Services, your company can make wise investments, project credit needs and anticipate operational decisions. The Moody Bank Treasury Management System business knows at all times where its cash is and what its commitments are. The Moody Bank Treasury Management System business enhances earning potential and meets the future head-on by being prepared.

Maximize your cash position with these MNB Treasury Management Services:

Moody Bank Treasury Management Services can be adapted to meet the requirements of any sized company.

Moody National Bank Automated Clearing House is the ideal system for quick, accurate collection and disbursement of funds. Combining state of the art electronic functions with the expertise of our trained staff, your business is assured of prompt collection, concentration and disbursement of funds.

• Collection: electronic transfer from customer account to your business account
• Concentration: a centralized cash pool for the accumulation of funds from various accounts
• Disbursements: automatic processing of disbursements; guaranteed on-time payments to vendors, payroll, pensions, unions, etc.

• You and your customers reduce costs for preparation and processing of checks, delinquent payments and receipts
• Employers and employees appreciate convenience and savings of direct payroll deposit
• Your business retains maximum control of earning potential of your cash

Turn receivables into cash quickly and efficiently with Moody National Bank Lockbox Service.

• Payments are received directly by MNB at a designated post office lockbox
• Immediate processing and collection throughout the day
• Complete reporting and copies of all items and additional information submitted by customers

• By-pass corporate and back-office to reduce clerical and handling costs
• Expedite collections and credit of funds to your account
• Control your cash sooner to maximize earning potential

Automated recovery of consumer checks that have been returned for non-sufficient funds. This service electronically re-presents a paper check to the consumer's financial institution via the Automated Clearing House network.

• Use a Web site to view activity and where the NSF item is in the collection cycle.
• Reduces labor, postage and operating costs
• Free of charge to your business

Protect your company's assets with the ability to ensure only the checks you authorize clear your account.
This product allows you, the customer, to create a database of authorized checks on a CD that are issued on a daily basis to be matched against checks as they clear your account.
A listing of all checks coming into the Bank that are not on the approved database is provided to you on a daily basis to decide if the check should be paid or rejected.

• Reduce costs due to losses
• Secure account information
• Automated

Provide you and your employees a sense of security by utilizing Direct Deposit for payroll and other bank needs.

• Secure immediate availability of funds
• Eliminate lost checks
• Utilize payroll services for savings and retirement contributions
• Reduce chance of receiving bad checks

Redirect the time your employees spend reconciling bank statements to make money instead of costing money. Moody National Bank Account Reconciliation Service insures your company of quick, efficient and accurate transaction reporting and account balancing.

• Check sort: checks provided in numerical order; reduce handling and processing time
• Partial: monthly statement, canceled checks and report listing amount and date of checks paid; quick reference, easy to use
• Full: detailed listing of all outstanding checks; timely and accurate

For businesses that handle large amounts of coin and currency activity, Moody National Bank Vault Services is essential. Our Vault Services guarantee the flexibility, access and security you need for efficient handling of cash and coins.

• Daily cash and coin orders filled from main vault or at any branch
• Deposit processing from armored car deliveries
• Deposit processing and reporting to your company
• Excess cash is on deposit, secure and working for your business

Wire Funds Transfer Service from Moody National Bank allows your company to move funds through the banking system swiftly, securely and accurately. By scheduling payments and other transfers of funds on the exact date due, funds remain actively working and earning until the moment they are transferred out.