Important Information: Service Disruptions Starting 10/4
Important Information: All Branches Closed 11/28
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Fraud Protection Services

For Business Banking

Control Your Risk

Minimize Fraud

We offer services that provide additional means for controlling the risk from unauthorized items being paid from your business account(s). Positive Pay services allow you to detect and prevent unauthorized ACH debit activity and check fraud.

Learn more about our Positive Pay Services

Enroll Now

Check Positive Pay

Fraud Protection for Check Fraud

For many years now criminals have become more creative in the methods they use to perpetrate fraud, which has had a major impact on our nation’s check payment system. Checks are becoming duplicated, altered and counterfeited and ultimately presented for payment. This has resulted in millions of dollars in losses to businesses across our nation. Woodlands Bank can help in preventing this type of fraud from happening to you.

Check Positive Pay is an anti-fraud service that enables Woodlands Bank and you to work together to detect check fraud by identifying items presented for payment that you did not issue.

A $20 Monthly Fee Allows You Access To All Check Positive Pay Features.

Here's how Check Positive Pay works:

1: You Record

You upload an electronic file to Online Banking in CSV format every time you create checks.

or

Manually enter the check information directly in the Online Banking portal. This is useful for checks that are overlooked on the electronic file or when unplanned checks are issued.

2: We Monitor
Once the bank receives the electronic file, it is saved and compared to your checks that are presented for payment through nightly processing. Items that do not match are identified as exceptions.
3: You Decide
Through our Online Banking system in the Positive Payment menu, you will review the exception and make a Pay or Return decision before the 11 AM cut off time. If you miss the deadline, the item will automatically be paid.

ACH Positive Pay

Fraud Protection for Check Fraud

Electronic fraud prevention is essential because of the volume of business-to-business transactions. ACH fraud has grown exponentially, and under National Automated Clearing House Association (Nacha) rules your business has only 24 hours to return fraudulent business-to-business ACH transactions.

Our ACH protection services help safeguard your funds by allowing only ACH transactions from the parties you authorize, within the dollar limits you designate, to post to your accounts. This service has two features that protect you from unauthorized ACH debit activity:

A $5 Monthly Fee Allows You Access To All ACH Positive Pay Features Including:
ACH Debit Block
Completely blocks all ACH debit transactions from your account. Any incoming ACH debit is automatically returned to the originating bank. Once this service is in place, your account is protected from this type of fraud.
ACH Debit Filter
Allows you to designate the organizations who can ACH debit funds from your account up to certain dollar levels. Should any organization you authorize exceed the dollar limit you established, you will receive an email notification and be given the chance to pay or return the ACH debit.
Protect Your Business

Get Started Today

Ready to start taking action on payment fraud? Fill out the form and a fraud protection solutions expert will be in contact with you to get you enrolled in positive pay and answer any questions.

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Important Notice

Published 11/27/2024

All offices of Woodlands Bank will be closed on Thursday, November 28 in observance of Thanksgiving. We will be back to normal hours on November 29, 2024.

Important E-Statement Information

We would like to inform you that our e-statement customers will not receive a special paper statement on October 4, 2024. This statement will continue as an e-statement. With access to e-statements being unavailable during our upgrade weekend along with the delay of this e-statement being made available to you through Online Banking, we wanted to provide you with options available to you to receive your statement.
If you would like to receive a copy of your paper statement recapping your account activity from your last normal statement issued through Friday, October 4, 2024, please do one of the following:
On or after October 7, 2024:

  • Call us at 570.327.5263 to request a paper statement be mailed to your address.

  • Visit your local branch to request a paper statement.

System Upgrade Important Information

Published 10/4/2024

Our System Upgrade will begin today, Friday, October 4, 2024 and continue throughout the weekend. Please see below for important times.
Online and Mobile Banking will be unavailable starting at 6:00 PM today, and will be unavailable until the afternoon on Monday, October 7, 2024. Please make note of your balances and plan for your cash needs during the System Upgrade. Your debit card will continue to work normally throughout the upgrade weekend.
Mobile Check Deposit will be unavailable starting at 3:00 PM today. Checks can still be deposited by visiting your local branch until 5:00 PM today.
Bill Pay will be unavailable starting at 4:00 PM today. All bills schedule for payment prior to this will process according to when they are set to be paid.
All offices will be closing at 5:00 PM today and will be closed on Saturday, October 5, 2024.
Please visit https://woodlandsbank.com/system-upgrade/ for all updates.
We look forward to growing your experience with us!

Important Notice

Change in Branch Hours

We want to inform you that we are making some changes to our branch office hours. These changes will go into effect on January 1, 2024. Our primary reason for changing our hours is to allow our employees to have a better work-life balance. In-turn, this allows us to better retain our excellent employees which results in even higher standards of customer service that our customers know and love.

View New Hours

We understand that our new hours may affect some of our customers’ normal routines and for that we truly apologize. We recognize change like this can be hard.

  • $1000.00 daily minimum balance to earn interest & avoid a $5.00 monthly service charge.

Qualifying Requirements include:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases

Note: Enrollment in e-Statements is required in order to open a High Interest or Cash Rewards checking account.

IRA Management

Changing jobs or retiring can be an exciting step in your life, but figuring out what to do with your retirement plan and other retirement assets can be confusing. Woodlands Bank Trust & Asset Management Services is here to assist you in making the right choice and will help you to achieve your long-term retirement goals.

Institutional Investment Management

Companies or organizations that hold funds or other assets can rely on Woodlands Bank Trust & Asset Management Services to assist them in managing their resources for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Charitable Investment Management

Non-profit organizations that hold funds or other assets from charitable donations can utilize Woodlands Bank Trust & Asset Management Services to invest those funds for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Executor & Estate Settlement Services

Choosing a qualified executor is essential to the timely and efficient administration of an estate. Our estate settlement services include acting as:

  • Executor
  • Agent for Executor

Estate & Financial Planning Services

The most common mistake in financial planning is not having a plan—having a strong financial and estate plan is vital to your financial health. We will work with you and your estate attorney to craft a plan for your unique needs.

Asset Management & Custodial Services

We will work with an individual to design a portfolio to fit their specific needs and objectives. Our duties will be determined by the type of account chosen.

  • Investment Management Accounts
  • Institutional Investment Accounts
  • Custody Account

Personal Trust Services

A trust permits an individual to carry out personal and financial objectives while providing protection for themselves and their family. The trust agreement sets forth the wishes of the individual, and it is the trustee’s responsibility to carry out those wishes. As a trustee, we will provide impartial advice and counseling for beneficiaries, investment management of the trust assets, continuity of management and a full accounting of all transactions. We offer:

  • Living Trusts
  • Testamentary Trusts (Trusts Under Will)
  • Life Insurance Trusts
  • Special Needs/Situations (Guardianships, Charitable)
  • Agent for Trustee

 

Treasurer's Checks

A Treasurer’s check is drawn on the bank’s own funds and signed by a bank employee. These checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. There is a small fee for these checks and they are only issued to bank customers.

Wire Transfers

Wire transfers help move money electronically from one person to another, domestically and internationally. This is an effective, safe way to transfer funds between banks. For a small fee, our customers can quickly send payments to others. The cutoff time is 1PM for International wires and 2PM for Domestic wires each business day.

Safe Deposit Box

A safe deposit box is located inside a bank vault and is used to store valuables. A financial institution rents out safe deposit boxes, and they can be accessed with keys. For a small annual fee you can safely store your important papers, etc. You can access your box during the bank’s normal operating hours.

Notary Services

In the United States, a Notary Public is a person appointed by a state government and whose primary role is to serve the public as an impartial witness when important documents are signed. This service is available at each office of Woodlands Bank and is only available to bank customers.