Treasury Services

Let us do more so you can focus on your business.

Business Internet Banking

Enjoy the freedom of banking on the Internet.

You can:

  • Check balances and research history
  • See what checks have paid
  • Perform Direct Deposit for employees
  • Direct Tax Payments-EFTPS
  • Initiate internal transfers, wire transfers and stop payments

Remote Deposit

Deposit money without ever leaving your office. With our remote deposit solution, you just scan your paper checks and send the scanned images electronically to Inwood National Bank for deposit into your checking account.

Remote Deposit

Mobile Remote Deposit

Repurchase Accounts (Not FDIC Insured)

A Repurchase Account (Repo) allows business customers with excess balances to effectively earn interest on their funds while still maintaining their liquidity. Repos are transactions in which the bank agrees to transfer to the customer securities or financial instruments against the transfer of funds by the customer. Repurchase Accounts can be established with a minimum balance of $100,000.

Daily excess funds are automatically swept from the operating account to the Repo account or vice-versa. A "target" balance is set in the operating account to provide enough balance to offset the service charges. The bank automatically moves the money back and forth as needed (in $10,000 increments) to cover checks or if there is a surplus in the operating account.


  • The transfers are made automatically
  • Minimum risks and additional security. Repos are secured by U.S. Government securities
  • Competitive rate
  • Quick liquidity

Repurchase accounts:

  • Are NOT deposits within the meaning of 12 USC § 1813(l)
  • Are NOT insured by the FDIC
  • Are subject to investment risk, including possible loss of principal invested

Lockbox Services

Lockbox Services expedite funds availability and reduce in-house deposit processing costs. Through a Post Office Box arrangement, remittances are received, processed and deposited directly at Inwood Bank on your behalf. Image copies of deposited checks are available for viewing via online reporting.

Zero Balance Accounts

As items are deposited or presented for payment, money is moved to/from the company’s operating account. This account will increase cash flow and make reconciling easier.

Wire Transfers

Wire Transfers facilitate the sending or receiving of available funds between two parties. Funds are moved directly from one bank account to another. They are a quick and convenient means for funds transfer with a high level of security. Wire requests may be accepted by phone with the use of a security code and signed agreement. For more information about our fees, cut-off times, and preferred methods to request a wire, please contact Treasury Services at 214.351.8710.

Courier Service

A convenient, time-saving solution that enables you to make bank deposits without leaving your office. Inwood Bank arranges for a messenger to pick up deposits which are delivered to the bank.


  • Convenience
  • Safety
  • Time-saver for you or your employees

Positive Pay

With Positive Pay, a business customer sends a file to the bank that lists the check amounts and serial numbers. The bank compares the list to the checks that are presented for payment that day. If an item is not on the list, the bank will immediately send a report to the business customer listing the discrepancy. Positive Pay will not verify the payee, but it can help reduce the risk of check fraud.

Reverse Positive Pay

Reverse Positive Pay gives business customers protection against altered check amounts, unauthorized drafts and most counterfeit items. With Reverse Positive Pay, business customers perform a daily audit by reviewing the information on all of the items presented and then decide which items should be paid.

Foreign Exchange

Send and receive payments in over 80 currencies worldwide, and settle conveniently via wire or draft. Protect your profits from sudden market fluctuations with a full suite of hedging products including forward contracts, foreign currency options, option-combination strategies and non-deliverable forwards.

Payroll Cards

A payroll card allows you to offer direct deposit to those employees who do not have a traditional bank account or would prefer not to have their pay deposited to their existing bank account. In addition to decreasing your company's payroll costs and risk of check fraud, it allows your employees to access funds everywhere Visa is accepted. And, with their payroll card and PIN they are able to access cash worldwide, saving them time and costly check-cashing fees

ACH Origination

An ACH is an electronic payment made through the Automated Clearing House network. The most commonly known form of ACH is a Direct Deposit, which is a credit to an account, but ACHs can also be debits or as they are sometimes called collections. ACH replaces the need for paper items, such as checks, allowing for faster processing times and greater control.