Online services offered by Texas Bank and trust include an online mortgage center, the ability to receive electronic statements and smart deposit. Texas Bank customers can register for online services on the official website of Texas Bank.
The smart deposit service offered by Texas Bank and Trust allows customers to deposit checks into their accounts directly from their mobile smart phones. All items captured Monday through Friday before 6 p.m. Central Standard Time are deposited the same day but are not posted to a customer's available balance until the end-of-day processing occurs. Credits received for the day are posted before debits are posted. Accounts that are open and active for a period of 30 days with no charge-back activity in excess of $1,500 are eligible for smart deposit.
Customers use their smart phones to take photos of the fronts and backs of checks they wish to deposit. The TBTgomobile application captures the check images and saves those images for five days. Customers should keep the paper copies of their checks for a minimum of 14 days, then are advised to shred the checks for security purposes.
Customers may also apply for a loan online at Texas Bank and Trust. Loan products include personal lines of credit, auto loans, Visa cards and overdraft protection lines of credit.