Treasury Management Services
Pony Express Bank is a family-owned institution led by fifth-generation leadership, built on a legacy of trust, stability, and community commitment. Our team lives and works locally, actively supporting area businesses, schools, and organizations.
We focus on relationship-driven banking—customers are known by name, calls are answered by real people, and service is personal, responsive, and reliable.
Digital Banking
Secure, 24/7 account access with:
- Account monitoring & statements
- ACH origination
- Bill pay & fund transfers
- Mobile deposit (up to 10 checks)
- Sub-user permissions
- Alerts & reporting tools
- QuickBooks integration
- Positive Pay management
ACH Origination
- Setup: $100 | Monthly: $10
- Per File: $7 | Same-Day: $10
- Per Item (Debit/Credit): $0.20
- Returns: $10/item | NOC: $2
Positive Pay (Fraud Protection)
- Check verification (payee, check number, amount, date)
- ACH filtering (block unauthorized debits)
- Cost: FREE
Remote Deposit Capture (RDC)
- Monthly Fee: $35
- Scanner: $30/month rental or $450 purchase
Wire Services
Fast, secure domestic & international fund transfers
Merchant Services
- Credit card & payment processing
- Provided through TIB (Texas Independent Bank)
Sweep Services
- Zero Balance Accounts: Auto-fund to maintain $0 balance
- Target Balance Accounts: Automatic balance adjustments
Business Debit Cards
- Transaction tracking by card (unique identifier)
- Search, filter, and reporting tools via Digital Banking
Business Checks
- Custom check stock available
Insured Sweep Program
Expanded FDIC coverage through a network of institutions (via ModernFi), providing enhanced security without managing multiple bank relationships.
Fee's
- Business accounts: Fee's reflected on your monthly analysis statement
- Other accounts: Fees debited monthly
