Checking and Savings
How do I find my routing or account numbers?
The routing number for Houston Bank & Trust is 0XXXXXXXX, and can be found at the bottom of your checks and deposit slips. The account numbers are also found at the bottom of your checks and deposit slips, next to the routing number.
How do I set up Direct Deposit?
Direct Deposit is set up with the payer, typically your employer or Social Security. Contact the payer, and provide Houston Bank & Trust's routing number (above) and your account number.
When will my deposit be credited to my account?
Deposits are credited to the account on the day presented. Direct Deposits are generally available by 9:00 am.
What do I do if I find suspicious transactions on my account?
Contact the bank at your earliest opportunity. If the transactions in question involve a debit card, use your mobile app or call the number on the back of your debit card to have the card frozen to prevent additional suspicious transactions.
How do I close my account?
Contact Houston Bank & Trust directly, by visiting us in person, sending a message through our online banking or by calling 713-347-7225.
Online Banking
What will I need to enroll?
You will need your Houston Bank & Trust account number and the contact information provided to us when the account was opened.
How do I access my HB&T accounts online?
Click Login at the top right of this page.
How do I change my username and/or password?
Contact Houston Bank & Trust to have your username changed. Password changes can be initiated on our online banking website, or in the app. by clicking Forgot Password.
How do I send an online wire?
Wires can be sent for business customers through our online banking site or in the business mobile app. If you want to send a personal wire, or do not have access to send a wire using those methods, please contact us to be granted access.
How do I get started with Bill Pay?
Once you have signed up for online banking or the mobile app, you will have access to the Bill Pay function. Each recipient will need to be added, using information from the bills you normally receive from each one, then bills can be paid to each saved recipient.
How do I sign up for online statements?
Online statements are available for each customer enrolled in online banking or in the mobile app. No additional registration is required.
Lending
What will the interest rate on my loan be?
The interest rate is dependent on several factors, including but not limited to credit history, debt-to-income ratio, type of collateral and bank history.
The interest rate is dependent on several factors, including but not limited to credit history, debt-to-income ratio, type of collateral and bank history.
How do I make a payment or pay off my loan?
Payments may be made in person, or electronically using our online banking system or mobile app. Wires may also be sent, using your loan number as the account number to be credited.
How do I change my payment due date?
Payment due date requests should be made to your loan officer, and are subject to approval based on credit factors and other conditions.
Can I auto debit my payments out of my other bank account?
Yes.
Yes.
Where can I get a copy of my credit report?
www.annualcreditreport.com(Opens in a new Window)
www.annualcreditreport.com(Opens in a new Window)
Commercial Loans
Do you offer lines of credit for operating, inventory, accounts receivable, etc.?
Yes, we offer many different loan products to cover almost any type of business financing.
Yes, we offer many different loan products to cover almost any type of business financing.
Do you offer Letters of Credit?
Yes.
Yes.
Where should I start if I want to purchase a business or start my own business?
The Small Business Development Center(Opens in a new Window) and Small Business Administration(Opens in a new Window) are great resources. They can help you with a business plan and with other documentation your banker will request.
The Small Business Development Center(Opens in a new Window) and Small Business Administration(Opens in a new Window) are great resources. They can help you with a business plan and with other documentation your banker will request.
What will my loan officer request from me when applying for a commercial loan?
In most cases, you should be prepared to provide a personal financial statement and copies of two to three years tax returns or other proof of income. Other requested documentation will depend upon the type of business and the type of credit requested.
In most cases, you should be prepared to provide a personal financial statement and copies of two to three years tax returns or other proof of income. Other requested documentation will depend upon the type of business and the type of credit requested.
italk
What is Houston Bank & Trust iTalk?
iTalk is a 24 hours a day, 7 days a week phone service that allows our customers to check balances, transfer funds, make payments, etc.
What is the number for iTalk?
To access iTalk, please call (833) 586-0003.
What is my Access Code?
When you enroll in iTalk, you will establish a 4-digit Access Code which will be used to identify you as the account holder when any activity is attempted on your accounts.
security and fraud
How do I protect myself from fraud?
Several resources are available online to learn how to protect yourself, but here are a few that are particularly valuable:
How does HB&T help protect me from fraud?
Houston Bank & Trust deploys state-of-the-art technology to protect its customers from fraud. Transactions are monitored at the time of the transaction for potential fraud, and if fraud is suspected, the transaction may be blocked before it can impact the account. Access attempts through online banking or the mobile apps are also monitored in real-time for reasonableness based on a variety of factors.
Customers are reminded that they should also check their accounts and statements routinely to watch for any fraud and report fraudulent transactions to the bank immediately.
Maintain positive cash flow at your business.
Our goal is to help you save time while offering you all the services of a comprehensive cash management program.