Austin community banks lend to startups, builders, professionals and family businesses in a market crowded with large banks. ITServices.Tech delivers IT services for Austin community banks: support, security, backups and planning under one agreement.
Community banking in Austin
Austin community banks win business by being close to their customers: commercial real estate and construction lending, banking for professional practices, and relationships with founders who want a banker who answers the phone. The Texas Department of Banking is headquartered in Austin, so state-chartered banks here are supervised from across town.
Examiners and the notification rule
Exams for state-chartered banks come from the Texas Department of Banking alongside a federal regulator, while the OCC examines national banks. The federal rule on computer security incidents expects a bank to notify its primary federal regulator promptly, within a day and a half at most, once it determines that a notification incident has taken place. The bank owns its risk assessment and security program. We run the systems we manage to that program and keep the records examiners want to see.
Banking for startups and builders
Startup and real estate clients move money often and in large amounts. Secure online business banking, strong MFA for staff who approve wires, monitoring of the email system for impersonation and a callback rule for any change in payment instructions protect the bank and its customers from the fraud that follows that money.
A lean team with a lot to manage
Most community banks run with a small operations and IT staff, plus a core provider and several other vendors. We take on the daily support and security work around the core, document every change and give management clear reports, so your own staff can focus on the bank.
Weather and continuity
Central Texas ice storms and flash floods can close branches with little warning. Backup internet at each branch, laptops ready for remote work and a recovery plan that is tested, not just written, keep lending and deposit operations moving.
Treasury services for business customers
Business clients want positive pay, ACH origination and remote deposit capture, and each one adds devices and access to secure. Scanners at customer sites, tokens for approvers and dual control on payment files need clear setup and records, so treasury growth does not open new paths for fraud.
IT services for Austin community banks
- Locked-down workstations for wire and ACH work
- Email protection and call-back rules against payment fraud
- Branch networks that keep teller traffic, guest Wi-Fi and cameras apart
- Records of patching, access reviews and monitoring for examiners
Everything runs under one managed IT agreement, with the help desk, monitoring, patching, Microsoft 365, security and backups handled by the same team.
Software we support
We support the workstations, branch networks and secure access around your core, such as Jack Henry SilverLake, Fiserv Premier and FIS Horizon, along with digital banking platforms like Q2, Alkami and Banno and the workstations used for FedLine and ACH origination. Each vendor supports its own platform, and we work the case with them when a problem crosses over.
Texas data rules to know
Under Texas law, a business must notify affected people of a breach of their sensitive personal information within 60 days, and the Texas Attorney General within 30 days when 250 or more Texans are affected.
Office hours in Austin
Office hours for Austin clients are Monday to Friday, 8:00 AM to 5:00 PM Central, in your own time zone.
Read more about IT for community banks, managed IT services in Austin or all IT services in Austin.
Sources
- FDIC computer security incident notification, 12 CFR Part 304 Subpart C
- FFIEC IT Examination Handbook
- FDIC Rules and Regulations, 12 CFR Part 364 (Standards for Safety and Soundness)
- CISA: Require multifactor authentication
- DoD CIO: CMMC program
- NIST SP 800-171 Rev. 3
- Texas Business and Commerce Code 521.053
- Texas Attorney General: data breach reporting