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ACH ORIGINATIONS

Optimize your business payment strategy. Pay employees, vendors, and suppliers electronically.

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Automated Clearing House (ACH) Payments

Optimize your payment strategy. Conveniently create electronic payments for employee payroll, vendors, suppliers, expense reimbursements, cash concentration, and taxes. With ANBTX ACH Payments you maintain control of your money until you decide payments should be made, and there’s never a need to write, process, and reconcile checks.

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Key benefits

  • Save Time
    • Automatically execute payroll, vendor, and tax payments
  • Save Money
    • Reduce errors  and mitigate check fraud through automated processes
    • Eliminate stop payments, check replacement, check storage, printing, and mailing
  • Improve Cash Flow Management
    • Cash concentrate funds from accounts at other financial institutions to your ANBTX accounts
    • Precisely schedule and future-date vendor payments for maximum cash flow control
  • Boost Control and Flexibility
    • Create templates for repetitive payments
    • Submit batches for next-day or future day settlement
  • Create Security Controls
    • User entitlements, payment limits and dual approval
    • Event notification

How it works

  • Payment initiation—Submit amounts to be transferred from your ANBTX account to your payees.  This can be done manually or within templates.
  • Payment processing—Funds are processed through the ACH Network, a central facility that handles the transfer of electronic transactions across all US financial institutions.
  • Funds availability—All ACH disbursement files submitted before 4:30pm CST will be processed automatically through the ACH Network for credit to the payee’s bank on the date you designate.

Other ANBTX Services to Help Manage Cash Flow

Merchant Services

Accept debit and credit cards
Learn More

Remote Deposit Capture

Keep your business running without running to the bank
Learn More

Business Credit Cards

Great for everyday business expenses
Learn More

Business Lines of Credit

Access to working capital exactly when you need it
Learn More

How Can We Help?

Contact your ANBTX location to learn more about your business banking needs.

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Cash management digital suite of services includes online and mobile banking, entitlements, business bill pay, and mobile deposit for business, ACH prefunded originations, and domestic wire transfer for a flat monthly fee of $40. Transaction limits apply to ACH originations (15 batches per month) and domestic wires (2 incoming or outgoing per month). Each additional ACH batch or wire transfer above the prescribed monthly limit will be charged at $10 per batch and $10 per wire transfer. Acccount excess transactional and miscellaneous fees may apply. May be subject to credit approval.