Business Electronic Banking

With American Bank and Trust Company, N.A. Business Internet Banking and Cash Management solutions, financial power, flexibility and convenience are at your fingertips. These financial tools allow you to control payables, speed collections and optimize your company's cash position like never before.

Cash Management is a powerful, yet flexible, business tool that is designed to decrease costs by reducing paper handling and by streamlining routine financial transactions to leave you with more time to grow your business. 

Platform Functionality

Reporting

  • Balance reporting for deposit accounts.
  • View intraday and previous day balance and transactions.
  • Check image display detailing check reference items. Also able to view, zoom, rotate, flip and print check image.
  • Output to Quicken®, QuickBooks®, BAI® Version 2, .CSV and .QIF formats available.

Stop Payment Requests

  • Create a single check or a range of checks for stop payment.
  • Real-time placement for stop payment.
  • 45-day history of stop payment requests.

Bill Payment

  • Pay anyone in the United States.
  • Bill Pay 2.0 allows multiple accounts to be enrolled.
  • Payees are retained for future payments.
  • Payments can be scheduled up to 9:30 PM Central Time on the day prior to the effective date.

Express Transfer

  • One account to one account internal transfer.
  • Same day transfers.
  • Transfers are real-time balance checked.

Book Transfer

  • One account to many accounts or many accounts to one account internal transfer.
  • Business customer can create templates for future use.
  • Transfers are real time balance checked.

Loan Reporting

  • Summary and detail loan reporting for loan and line of credit accounts. (Reporting is at the note and commitment level.)

Wire Transfer Requests

  • One-time, free form wire transfers for both domestic and international USD requests. 
  • Can create repetitive wire transfer templates for future use.
  • 18 month history reporting of all transactions.

ACH Origination

  • Platform for electronic payments and collections.
  • Unlimited transactions with template setup.
  • Commonly used for direct deposit payroll and vendor payments, concentration of funds; premiums; dues and collections.
  • Separate entitlements available for each user.

File Upload

  • ACH formatted for origination. Pass through NACHA standard format files from your internal or third-party platform payroll, accounts payable or accounts receivable systems.
  • 18 month history available.

Positive Pay

  • Ability to manage check fraud through exception reporting.
  • 18 month history reporting on the exception files.
  • Ability to import check issued files.

Account Reconciliation

  • Full – Determination of paid and outstanding on issued checks.
  • Partial - Listing of paid checks only.
  • Deposit - Tracking by source (company, department or store).

File Download

  • Reconciliation of Paid Check File.
  • Statement File.

For more information, contact Client Services at (877) 626-2265  ext. 6524, or
ebusinessServices@ambankqc.com  Monday - Friday 8am - 5pm

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American Bank & Trust has no control over information at any site hyperlinked to or from this Site. American Bank & Trust makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by American Bank & Trust of any information in any hyperlinked site. In no event shall American Bank & Trust be responsible for your use of a hyperlinked site. Third-party sites may have privacy and security policies different from that of American Bank & Trust and may provide less than that which is provided by American Bank & Trust.

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Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, American Bank and Trust Company suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact American Bank and Trust Company directly at your nearest bank branch.

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