TBASCO Endorsed Products & Services
TBA endorsed products and services represent a wide range of third party provider options to banks across Texas. Providers of these services have been thoroughly vetted by TBASCO staff and reviewed by the TBASCO Board of Directors. Consider these products and services when evaluating your bank’s needs.
For more information contact:
tbasco@texasbankers.com
512-472-8388
Can’t find it here? Try searching the Associate Member Directory
Acquisition & Retention Solutions
Show MoreAcquiring low-cost core deposits and high-yield customers is essential for long-term growth. Vericast Acquisition & Retention Solutions take a data-driven, strategic approach to deposit and household acquisition. Using proprietary data analytics and robust modeling techniques, Vericast identifies prospects who match the profile of your best customers. Then they send them highly personalized offers with high-quality creative and materials.
Count on Vericast to help you:
- Identify top prospects
- Acquire new customers
- Expand relationships with existing customers
- Increase customer engagement
For more information, email Terri Bianca or call her at 318-505-4731.
Affordable Housing Lending
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Centrant Community Capital is a mission-driven lender, leveraging the resources of the banking industry to finance the creation and preservation of quality affordable housing.
Established in 1990, we provide first-lien, permanent financing for apartment communities that are affordable to low- to moderate income households. As a member of Centrant Community Capital, your institution will have the opportunity to participate in low-risk multifamily loans that offer CRA credit and attractive interest yields. This consortium model enables member banks of all sizes to support community reinvestment efforts in the markets they serve in a safe, profitable manner.
With nearly 100 member financial institutions of all sizes, we are one of the largest consortia of our kind in the nation. To date, we’ve provided over $375 million in loans to support the development of over 20,000 units in nearly 400 communities across the Southeast.
Program Highlights:
- All loans offered for subscription on a voluntary basis – participation is never mandatory
- Select loans that meet your investment, portfolio and CRA goals, at a level that is right for you
- Centrant Community Capital provides on-going support for every loan in our portfolio, including servicing, payment remittance, asset management and annual property inspections
- Exceptional portfolio performance – our loss history to date is less than 0.3% of total loans
To learn more, email “David R. Bennett, Executive Vice President, or call him at 919-781-7979.
Bank Captive Program
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KeyState Captive Management (KeyState) is the country’s largest provider of captive management and investment portfolio services to community banks.
KeyState offers banks with over $1 billion in assets the opportunity to form a wholly-owned captive insurance company through its Bank Captive Program. A captive insurance company, or a legally licensed limited purpose property and casualty insurance company, can augment a bank’s commercial policies by covering the existing commercial deductible layers, increasing coverage levels on existing policies (excess layers), and identifying other currently unfunded risks to insure where commercial insurance is not available to the bank.
Through a captive, banks can:
- Improve their enterprise risk management;
- Better manage unfunded risks;
- Formalize a self-insurance program;
- Realize efficiencies and savings related to insurance expenses and loss mitigation; and
- Take advantage of a small business incentive available under a section of the Tax Code.
What makes KeyState’s Bank Captive Program different from its competitors? The primary differentiator is KeyState’s deep knowledge and specific expertise working with banks and their regulators in evaluating structures and responding to regulator inquiries. KeyState’s team offers a turnkey product and assists the bank every step along the way.
For more information email Brian Amend or call 302-425-5181.
BOLI Consulting
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NFP Executive Benefits (NFPEB”) provides creative solutions to attract, retain and engage key officers and board members. As of December 31, 2019 more than 1,250 banks count on NFPEB to design, implement, administer and finance these important compensation and nonqualified benefit programs.
In addition, the company’s in-house service professionals offer practical, hands-on assistance to banks and their professional advisors, auditors and examiners. NFPEB provides its clients with timely, accurate documentation and regulatory compliance support. NFPEB has the experience of CPAs, attorneys, MBAs, CLUs, CFP®, and ChFC® professionals, a former bank regulator, several former bankers and bank directors, and other experts with advanced degrees and licenses. Our staff also includes individuals with significant BOLI and benefits administration experience as well as one of the industry’s most recognized experts on accounting and tax matters.
If a bank should decide to implement any of these plans, NFPEB has the experienced and professional staff needed to properly design, administer and oversee these plans. As evidence of its leadership position in the market, NFPEB has the exclusive endorsement of the American Bankers Association and several state banking associations including TBA.
To learn more about our services and products, contact Ken Derks* at 469-252-1037, Trey Deupree* at 972-672-8245 or visit executivebenefits.nfp.com.
*A Registered Representative of Kestra Investment Services, Inc.
Business Performance Solutions
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Insperity helps the banking community unleash its employees’ full potential with an array of human resource and business solutions that improve business performance. For 25 years, Insperity (NYSE\: NSP) has been offering the most comprehensive workforce optimization solution in the marketplace that delivers administrative relief, better benefits, reduced liabilities and a systematic way to improve productivity. The Company operates 58 sales offices in 24 major markets serving more than 100,000 businesses. If you would like to learn more about Insperity, please email John Klement or call him at 512-231-4512.
Check Solutions
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Many institutions miss out on the opportunity to capture check orders at account opening, largely due to the complexity of check ordering platforms. Vericast Check Solutions offer a seamless, digital-first customer and branch check ordering experience. With a simplified and mobile-optimized program, banks can improve operational efficiency and increase check order capture across channels.
Count on Vericast to help you:
- Improve the profitability of your check program
- Increase check order capture
- Provide checks with industry-leading security features to give your customers peace of mind
- Improve front-line operational efficiency
- Engage customers from day one
For more information, email Terri Bianca or call her at 318-505-4731.
Community Advance Programs
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FHLB Dallas offers three community advance programs that support local investment. These programs provide favorably priced solutions that support the affordable housing and economic development efforts by its member institutions.
- Community Investment Program (CIP) provides favorably priced advances to assist members in funding affordable housing, qualified economic development projects and community revitalization in targeted communities.
- Economic Development Program (EDP) provides favorably priced advances to assist members in funding qualified economic development projects and community revitalization in targeted communities.
- Disaster Relief Advances Program (DRP) Favorably priced advance funding to support recovery efforts in officially declared disaster areas in FHLB Dallas’ District.
For more information, email Steve Otto or call him at 214-441-8711.
Compliance Software and Forms
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Wolters Kluwer® works with Banks across the U.S. to ensure adherence with ever-changing regulatory obligations, manage risk, increase efficiency, and produce better business outcomes. Wolters Kluwer was the first endorsed partner of TBASCO starting in 1989 and is proud to be a valued provider to many TBA members.
Wolters Kluwer is the trusted leader in compliance management. Our expert solutions enable lenders, compliance officers, and operations teams to achieve compliance certainty across the end-to-end digital loan lifecycle and through complex regulatory change environments.
Texas Bankers Association proudly endorses the following software and compliance content and services from Wolters Kluwer.
Software
- Commercial Lending financial analysis and credit risk management – CASH SuiteTM for commercial lenders
- eSignature – SmartSign®
- Lending and Deposit Document Generation – ComplianceOne®
- Lien Solutions – iLien, iLien Motor Vehicle, and iLienRED
- SBA Loan Processing – TSoftPlus™ SBA lending
Documents and Forms (Paper and Electronic (E-Form)
- Paper forms for documenting IRAs, Deposits, Consumer, Commercial and Mortgage lending
- Privacy Disclosures
- Account Agreements
When regulatory and compliance management matter most, trust the experts. Wolters Kluwer Expert Solutions.
For more information email Stephen Bradley or call him at 612-554-0116, or visit Wolters Kluwer.
Contact Center Solutions
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In today’s consumer experience economy, growth and customer satisfaction are inextricably linked. The contact center is one of the few opportunities for a personal touch — so it’s vital to your overall success.
Vericast Contact Center Solutions deliver fully customizable inbound and outbound support for short-term burst events — including support for platform conversions and mergers and acquisitions M&As — or long-term marketing programs. Vericast is the brand beside your brand, increasing your agility, bandwidth and core strengths, so you can focus on what you do best. Their contact center specialists are skilled at providing white glove support and a personal touch with every interaction.
Count on Vericast to help you:
- Create high-touch customer experiences
- Improve customer loyalty
- Generate incremental revenue
For more information, email Terri Bianca or call her at 318-505-4731.
Core Consulting
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Genesys was founded in 2007 to be an advocate for the community banker by providing affordable technology consulting. Genesys takes the guesswork out of core contract negotiations. Consulting services include contract renewals and negotiations, systems evaluation and selection, M&A system assessments and negotiations, and in-house to outsourced evaluation services. TBA member banks receive a 7% discount on these endorsed services.
For more information email Selina Bailey or call her at 770-729-4138.
Customer Experience
Show MoreVericast is a leading provider of solutions that help organizations deliver superior customer experiences. The company is a leader in check printing, card personalization and instant issuance, deposit and loan acquisition programs, contact center services, digital marketing, direct mail, customer insight analysis, cash handling supplies, and promotional products. For more information, visit www.vericast.com or follow Vericast on LinkedIn and Twitter @vericast.
For more information, email Terri Bianca or call her at 318-505-4731.
Customer Retirement Plans
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Pentegra Retirement Services is a leading provider of retirement plan and fiduciary outsourcing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $10 billion in assets. Pentegra is focused on delivering value-added retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.
Our breadth and depth of services includes support for qualified and non-qualified retirement programs designed exclusively for your industry. With deep knowledge of the complexities that surround bank retirement plans, the quality and experience of our team deliver exceptional value to clients. Pentegra offers the added advantage of more than 70+ years of community-based financial institution retirement plan “best practices” and a user-board of directors comprised of our clients — delivering a level of retirement plan governance and oversight that is unmatched.
With an extensive array of plan design options, services and fiduciary support, our unique retirement plan solutions include qualified and non-qualified plans along with fiduciary outsourcing solutions designed to save time, save money and ease the burdens that come with managing a retirement plan. We’re focused on delivering a client experience that makes offering a retirement program easy, and one that helps your employees achieve greater retirement security.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. For more information on Pentegra’s products and services, email John Schafer, National Leader, Financial Institutions Channel, or call him at 914-821-9534.
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Electronic Board Books
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OnBoard is a secure cloud-based board management platform designed to make board meetings more informed, effective, and uncomplicated.
Built for bank leaders, boards, and their committees – OnBoard has worked with community banks for over 15 years, creating solutions that solve their challenges. OnBoard was born from this work, and it’s why it’s the only board portal endorsed by the Texas Bankers Association.
The most simple, secure, and effective way to run board meetings, OnBoard streamlines governance with a platform that features award-winning user-friendly design, insightful analytics, and real-time collaboration. Independently verified, and backed by Microsoft Azure, OnBoard’s enterprise-grade security ensures every board benefits from penetration-tested architecture – keeping your board from financial and reputational harm.
Ready to start using OnBoard? Contact us for a demo or free 30-day trial.
For more information, email OnBoard at more@onboardmeetings.com or call us at 765-535-1882.
Employee Retirement Plans
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Pentegra is a leading provider of retirement plan and fiduciary outsourcing solutions to banks nationwide. As one of America’s oldest independent fiduciaries, we deliver retirement plans that run with less risk, greater efficiencies and improved outcomes.
With an 80-year legacy of fiduciary expertise and oversight unmatched in the industry today, we partner with firms at the advisor, sponsor and enterprise level to bring maximum flexibility to every opportunity, offering a comprehensive array of retirement plan solutions, plan consulting, TPA services and fiduciary support.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. For more information on Pentegra’s products and services, email Ken Jackson, Regional Director, or call him at 303-921-3109.
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Executive Benefits Consulting
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NFP Executive Benefits (NFPEB”) provides creative solutions to attract, retain and engage key officers and board members. As of December 31, 2019 more than 1,250 banks count on NFPEB to design, implement, administer and finance these important compensation and nonqualified benefit programs.
In addition, the company’s in-house service professionals offer practical, hands-on assistance to banks and their professional advisors, auditors and examiners. NFPEB provides its clients with timely, accurate documentation and regulatory compliance support. NFPEB has the experience of CPAs, attorneys, MBAs, CLUs, CFP®, and ChFC® professionals, a former bank regulator, several former bankers and bank directors, and other experts with advanced degrees and licenses. Our staff also includes individuals with significant BOLI and benefits administration experience as well as one of the industry’s most recognized experts on accounting and tax matters.
If a bank should decide to implement any of these plans, NFPEB has the experienced and professional staff needed to properly design, administer and oversee these plans. As evidence of its leadership position in the market, NFPEB has the exclusive endorsement of the American Bankers Association and several state banking associations including TBA.
To learn more about our services and products, contact Ken Derks* at 469-252-1037, Trey Deupree* at 972-672-8245 or visit executivebenefits.nfp.com.
*A Registered Representative of Kestra Investment Services, Inc.
Financial Crime Management Platform
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Verafin is the industry leader in enterprise Financial Crime Management solutions, providing a cloud-based, secure software platform for Fraud Detection and Management, BSA/AML Compliance and Management, High-Risk Customer Management and Information Sharing. Nearly 3000 banks and credit unions use Verafin to effectively fight financial crime and comply with regulations. Leveraging its unique big data intelligence, visual storytelling and collaborative investigation capabilities, Verafin significantly reduces false positive alerts, delivers context-rich insights and streamlines the daunting BSA/AML compliance processes that financial institutions face today.
Verafin is the exclusive provider for Texas Bankers Association, Western Bankers Association, Florida Bankers Association, Massachusetts Bankers Association, and CUNA Strategic Services, with industry endorsements in 48 U.S. states.
For more information, call 866-781-8433 or email info@verafin.com.
Group Benefits
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Higginbotham is the largest independent insurance broker based in Texas. Thousands of companies and financial institutions across the state trust our single source solution for employee benefits. We have more than 30 offices in Texas to serve your regional insurance needs. Our size ranks us among the largest brokers in the nation, yet our local concentration keeps us accessible.
In fact, we’re always by your side. Getting you covered is just what we do on day one. We support you and your employees on day two and every day after. It’s what we call Day Two Services® because we deliver everything you need to manage your plans and control your benefits throughout the year.
For more information email Mark Rutherford at mrutherford@higginbotham.net or call him direct at 817-797-0556.
Human Resources
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Insperity helps the banking community unleash its employees’ full potential with an array of human resource and business solutions that improve business performance. For more than 30 years, Insperity (NYSE: NSP) has offered the most comprehensive workforce optimization solution in the marketplace that delivers administrative relief through robust payroll and HR platforms, better benefits, reduced liabilities and a systematic way to improve productivity. The Company operates over 70 sales offices in 30 major markets serving more than 100,000 businesses. If you would like to learn more about Insperity, please email John Klement or call him at 512-231-4512.
Large-Dollar Deposit and Liquidity Management
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As a trusted partner chosen by more than 3,000 financial services companies, we define success not by the volume of transactions we enable, but by the quality of relationships we form. Our network, established over 20 years ago, connects institutions of all sizes to help participants build stronger relationships with their customers, fund more loans, seamlessly manage their liquidity needs, and earn fee income. The network brings scale, giving each participant access to tens of billions of dollars in funding, the highest per-depositor and per-bank capacity, and the peace of mind of being able to make large-dollar placements.
Lender Placed Hazard & Flood and Mortgage Impairment/Errors & Omissions Insurance
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J.B. Lloyd & Associates is an insurance agency that has provided lender placed hazard & flood and mortgage impairment and mortgage errors & omissions insurance protection to Texas banks for 24 years. In addition to excellent customer service, Lloyd & Associates’ web-based reporting capabilities and broad coverage options sets us apart from other insurance providers.
For more information email Jim Lloyd, call him at 214-265-2445 or visit www.lloyd-ins.com.
Mobile Banking
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At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.
Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.
Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.
For more information visit Q2.com.
Mortgage Partnership Finance® Program (MPF®)
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Provides FHLB Dallas members with a competitive, alternative to access the secondary mortgage market. FHLB Dallas members that become Participating Financial Institutions (PFIs) gain opportunities to sell certain fixed-rate, conforming mortgage loans into the secondary market. PFIs that participate in the MPF program also have an option to retain servicing on their loans, and subsequently maintain control of their customer relationships, or they can sell servicing.
FHLB Dallas offers four products from the MPF Program:
Credit Enhancement (CE) Products:
Non-Credit Enhancement Product:
For more information, email Steve Otto or call him at 214-441-8711.
Office Supplies
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Watch the program overview video.
ODP Business Solutions has partnered with TBA on a national state bankers association program to provide TBA members significant discounts on a wide range of office and banking supplies, cleaning supplies, personal protective equipment (PPE), furniture, break room provisions, print solutions, promotional products and more. The program has proven to deliver an average cost savings of 20-30% to participating members.
Program Benefits:
- Select from 1,300 discounted items that are frequently used by the banking industry.
- Customize a list of up to 75 additional items from a select group of office supplies to help meet your specific objectives.
- Enjoy free, next-day delivery on qualifying orders of $50 or more, within our local delivery areas.
- Give your associates access to the contract pricing through our Employee Purchase Program.
- Buy online and pick up in-store in one hour.
- Leverage cost-saving tools, convenient reporting and bill management through our world-class e-commerce platform.
- Help drive savings and compliance with quarterly business reviews from our highly trained sales team.
Company Registration:
New Customers: Register for an account at www.odpbusiness.com/banksignup.
Existing Customers: If you’re already an ODP Business Solutions customer and would like switch to TBA’s program, please contact bank.opportunities@odpbusiness.com.
Employee Registration:
If you are an employee of a TBA member organization, you can register for a personal account online and receive TBA’s discounts by clicking here.
For more information about this program, contact Talitha Searcy at 512-651-2579 or talitha.searcy@odpbusiness.com.
Online, Voice and Mobile Banking
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At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.
Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.
Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.
For more information visit Q2.com.
Shredding
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Shred-it specializes in providing a tailored document and media destruction service that allows businesses to comply with legislation and ensure that the client, employee and confidential business information is kept secure at all times. Through their strict chain-of-custody processes, reliable on-time service and a global network of local service centers, Shred-it provides the most secure and efficient confidential information destruction service in the industry.
Exclusive Benefits for TBA Members:
- Significant savings on Shred-it services, including:
30% discount on document destruction, hard-drive and media destruction
35% discount for Community Shred Days - Dedicated customer care contact, national accounts billing specialist and local operational support.
- Onsite mobile shredding services available.
- Secure, locked containers in your branch and offices with free keys for ease of retrieval.
- State-of-the-art guaranteed chain of custody at every touchpoint.
- Customer portal to request service information and reports.
- Bar code technology to manage material tracking.
- Certificate of destruction with each service – your proof of compliance.
- 100% secure recycling of all material free of charge.
- Annual environmental certificate – your impact on nature.
- Complimentary workplace privacy policies.
Get Started
To setup or inquire about Shred-it service, please fill out the contact form at www.shredit.com/en-us/national-accounts/state-bankers-association-program.
If you are already a Shred-it customer and would like to access the Association’s discounts you may request to join this program after your current contract has passed 50% of its term. Simply contact sitretgpochange@stericycle.com with your account information.
Vendor Management
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Ncontracts provides comprehensive vendor, compliance, risk management, and lending compliance solutions to a rapidly expanding customer base of over 4,000 financial institutions in the United States. We help financial institutions achieve their compliance and risk management goals with a powerful combination of user-friendly, cloud-based software and expert services. Our solution suite encompasses the complete lifecycle of risk, including vendor management, enterprise risk management, business continuity, compliance, audit and findings management, employee engagement, company culture alignment, and cybersecurity. The company was named to the Inc. 5000 fastest-growing private companies in America for the third consecutive year.
For more information visit www.ncontracts.com or follow the company on LinkedIn and Twitter.
Voice Banking
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At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.
Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.
Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community.
For more information visit Q2.com.