A Better Way to Bank Is Here

Why was a change made to the digital banking platform?

We heard your feedback and are shifting to a more modern, secure, and user-friendly platform that provides you with a seamless experience between all your devices.

When did the change take place?

The digital banking platform was completed on September 23, 2025. Keep an eye out for additional detailed communications in the coming weeks.

How do I prepare for the new digital banking platform?

Ensure you have your existing username and that your email address and phone number on file are up to date. All users who were previously enrolled in Online Banking or Cash Management MUST use the “Forgot Password” link to reset their password.

What benefits does your new digital banking platform offer?

Key benefits include:
• A modern look and feel of our upgraded navigation
• Seamless banking between desktop and mobile
• Send and receive money with Person-to-Person Transfer capabilities (coming soon)
• View account balances and details
• Deposit checks from your phone
• Make payments with Bill Pay (coming soon)
• Manage cards on-the-go
• View and transact on all your accounts with one username
• Monitor your account with comprehensive alerts

What are the supported versions of browsers and devices?

The new platform supports the latest two versions of browsers and mobile operating systems listed below. Staying up to date on the latest browser and mobile OS releases ensures your experience is as secure as possible.
• Supported Browsers: Chrome, Firefox, Edge, Safari (two latest versions)
• Supported Devices: Android 12 and higher, iOS 15.0 and higher

What about Small Business and Commercial Banking?

Business clients will also enjoy the benefits of the new product with capabilities to include:
• RDC via desktop device
• Wire and ACH origination
• Sub-user management
• Real-time cash position insights
• Fraud alerts and card controls

How do I log in to the new digital banking platform?

You can access our platform through two primary methods:
(1) State Bank of Texas website homepage:
• First-Time Users: If you have never enrolled in Online Banking or Cash Management using our old system, click "Register a New Account" to set up your username and password for the first time.
• Existing Users: You'll need to create a new password upon first login after the live date of September 23, 2025. Click "Forgot Password" on the login page to set up a new password. Your User ID remains the same unless we've contacted you directly.

(2) Mobile App (SBT): The new SBT App will be available for download on live date of September 23, 2025. Use your existing username and establish a password as a first-time user using the "Forgot Password" link.

What should I do if I can't log in?

Troubleshooting steps:
• Verify you're using the new SBT app
• Check your internet connection
• Reset your password through the "Forgot Password" link
• Reach Customer Care at 972-252-6000 if issues persist
• Chat with us using our web chat feature

Will joint account holders be able to access digital banking?

Yes, joint account holders can also access the digital banking platform. Each joint account holder will have their own login credentials to view and manage the accounts they are joint on. Joint account holders must have their email and phone number on file with SBT.

How do I update my profile after I have logged in?

You can update your profile information, such as profile image, nickname, time zone, etc., in the Settings widget. You can also view recent login activity within the Profile tab of the Settings widget.

How can I update my MFA preferences?

Multi-factor authentication (MFA) is a security feature that requires more than one method of authentication to verify your identity. You can update your verification code preferences (Email, SMS, and Voice Call) in the Security section of the Settings widget. You can also toggle the requirements for MFA on and off for each login in that same widget.

How can I update my contact information and address?

You can update the address, email, and phone number you have on file by navigating to the Contact section of the Settings widget.

How can I edit my account details?

You can edit your account details in the Accounts section of the Settings widget. By clicking on the specific account whose details you wish to modify, you can change the account nickname, account color, and even hide the account from the Dashboard and Accounts tab. In that same section, you can also reorder the display of your accounts in the Dashboard and Accounts tab.

How secure is the new digital banking platform?

We employ:
• Multi-factor authentication (MFA)
• End-to-end encryption
• Secure device enrollment
• Regular security updates

Remember to regularly update your app and keep your login credentials confidential. If you notice any suspicious activity, contact our support team immediately.

Will I have to redo my external accounts and other settings?

Our new online banking platform enables users to seamlessly link external accounts either by securely logging in with their credentials from other financial institutions or by verifying a microdeposit. Once linked, customers will have a consolidated view of all their connected accounts within the system.

How do I make a bank-to-bank transfer? Where can I find the accounts I previously added?

You can continue to make Bank to Bank transfers (ACH transfers) on the new platform.
• To add a new external account to execute a transfer, click on Transfers > More Actions > Add Account or select Add an Account from the “From” and To” dropdown.

Will Bill Pay payees and payment history transfer over?

No, Bill Pay payees and past payment history will not transfer over. You will have the ability to establish new payees using the new online banking system. Payment history will be visible on your monthly account statements.

How can I control my card settings?

Card Management in Online & Mobile Banking. Features include:
• Turning cards on/off
• Card activation
• Setting travel plans
• Transaction alerts
• Replacing lost, stolen, or damaged cards
• Updating your PIN

Will I be able to view electronic documents after the conversion?

Yes, after the conversion you will still have E-statements available in digital banking. You will be able to view, download, and print statements and notices at any time. If you are currently subscribed to E-statements, your delivery preference will be retained in the new platform. 24 months of statements will be available for download via E-statements. For statements older than 24 months, please reach out to your banker (additional research fees may apply).

Will I receive tax notices electronically after the digital banking conversion?

Yes, tax notices will be delivered electronically through digital banking, similarly to statements. To find tax documents, navigate to Accounts > Electronic Documents > Tax Forms. You can download and print physical copies for your records.

What wire transfer capabilities does online banking offer for business users?

Currently, our new online banking platform supports domestic wire transfers. The platform connects users in real time to leading wire processing systems, enabling same-day fund transfers.

Can businesses manage wires across multiple entities?

Yes. State Bank of Texas’s new multi-entity management allows users to originate and view transactions across different business accounts in one consolidated workflow.

How does mobile deposit work?

You can deposit checks via the mobile app. Funds are partially available the next day, with the remainder held for up to 7 business days.

Can I manage my cards through the app?

Yes. You can lock/unlock cards, receive real-time alerts, and manage card settings.

Can I create and manage sub-users?

Yes. Business master users can create sub-users, clone permissions, reset passwords, and manage access levels with full control. The State Bank of Texas team will not have the ability to add sub-users for you, but can provide guidance on accomplishing this.

Can I set transaction limits for sub-users?

Yes. Limits can be customized, and real-time notifications are available for changes. Audit reports track all modifications.

Can I see all my business accounts in one place on Online Banking even if each business does not share the same EIN?

Yes. Business master users can view all business accounts with one log-in.