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Title & Escrow Services

At Luminate Bank, we understand the unique challenges faced by the Title Industry. Our tailored banking solutions are designed to streamline your operations, protect your transactions, and enhance your ability to serve your clients effectively. Discover why leading Title Companies trust us to enhance their daily operations and strategic goals.

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"As someone with a deep understanding of banking solutions and the title insurance industry, I can say without any reservations that Luminate Bank is the at the very cutting edge of technology and banking solutions."

- Title Company 

"Luminate Bank ensures that by the time you are ready to open accounts with them, not only are you 100% positive that making this monumental switch for your company will be in your best interest, but you’re actually excited for how much time you’ll save working on their platform."

- Title Company

"Working with Luminate Bank to transfer over all our accounts has reminded me how much better a professional relationship works when there is communication, respect, and transparency – I don’t feel like I’m 'just another account' to Luminate Bank, and you won’t either."

- Title Company

Software Integration Solutions

Tailored Solutions for Your Business Needs

At Luminate Bank, we approach your industry with a client-centric mindset, focusing on solutions that matter most to Title Companies. From cutting-edge software integrations to personalized account management, we're here to support your business's growth and efficiency.


Why Integration Matters

Integration leads to a more efficient process, minimized wire entry errors, and streamlined operations, ensuring you can focus on your clients without the backend worries.

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Operational Support

Dedicated Support When You Need It

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Treasury Management Customization

Banking and Finances Your Way


Our platform allows you to customize your treasury management screen, organizing data and tools in a way that works best for your operations. Experience a banking platform crafted specifically for Title Companies, backed by years of Title Company expertise.

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Pricing and Value

Competitive Pricing for Unmatched Value



We offer pricing that reflects our commitment to providing value to the Title and Escrow industry. Our competitive earned credit rates ensure that you receive top-notch service without breaking the bank.

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Geographical Reach

Serving You Nationwide


Luminate Bank provides banking services to Title & Escrow Companies across multiple states. Check our service map for more details on where our services are available and how we can assist you locally with a community bank touch.

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Fraud Prevention

Prioritizing Security in Every Transaction


At Luminate Bank, we understand that security is paramount in the Title and Escrow industry. Our comprehensive fraud prevention strategies are designed to protect your transactions and ensure the integrity of your operations.


  • Encryption & Data Protection: Our robust encryption protocols ensure that all sensitive information is securely stored and transmitted, protecting against data breaches and unauthorized access.
  • Customizable Alerts: Set up personalized alerts to receive immediate notifications about activities that could indicate fraud, giving you the power to respond swiftly.
  • State of the Art Tokenization: Safeguard your accounts and transactions with advanced tokenization methods that provide an extra layer of security.
  • Dual Approval on Wire & ACH Transactions: Ensure secure transactions with our dual approval process, providing an additional safeguard that many banks do not offer.
  • Positive Pay & Payee Positive Pay: Enhance security for your checks and ACH transactions with our Positive Pay and Payee Positive Pay solutions, helping to prevent fraud before it occurs.
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Operational Details

Cut-off Time Information


Stay ahead with our efficient funds transfer solutions. Our cut-off times are designed to maximize your day, ensuring that your transactions are processed when you need them.


  • ACH: 5:00 PM CST
  • ACH Exception: 10:00 AM CST
  • Check Exceptions: 10:00 AM CST
  • Same Day ACH: 3:00 PM CST
  • Transfer: 6:00 PM CST
  • Wire: 4:00 PM CST

Proud to Support Land Title Associations

We are a proud supporter of both local and national Land Title Associations (LTAs), reflecting our commitment to the Title and Escrow Industry.

Get in Touch with Us

Whether you're ready to begin a partnership, have questions about our services, or need support, our team is ready to assist you. At Luminate Bank, your business success is our top priority.

Contact Us

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