Business Electronic Services
Our experienced bankers are committed financial partners with insight into the local economy, and are willing to give a hands-on approach to helping people reach their goals.
- Cash Management
- Freedom Banking
- Internet Banking
- Merchant Services
- Payroll Services
- Remote Deposit Capture
Cash Management: Our Cash Management Software can handle many of the day-to-day responsibilities and transactions that may be vital, but can also slow down a business. We're here to help with solutions and expertise you can trust.
- Cash Management offers business banking customers unprecedented flexibility and in-depth internet access to their accounts with ACH (Automated Clearing House), reporting and account management capabilities.
- It supports customers with account management capabilities.
- Multiple security layers to safe guard your account.
- It enables ACH originations, ACH file uploads, balance reporting, statement retrieval, and account activity reporting.
- It provides dual control over all ACH functions.
- It provides customers access to internet transactional information.
Freedom Banking: We think you should be able to check your account balances, transfer funds, view your transaction history and even pay your bill whenever and where you want. Now you can do just that with our new mobile service, Freedom Banking.
- Supports all account types including checking, certificates of deposit (CDs), money markets, loans and lines of credit.
- Allows customers to view balances and transaction history, transfer funds, set up payments and pay bills.
- Sends SMS text messages as confirmation of processed payments.
- Displays event, balance, item and personal alerts.
- Secured through the industry's highest standards, including multifactor authentication.
- Request account information via SMS text messaging.
- iPhone® and Android™ apps are available.
- An additional application is available that allows customers to deposit checks into their account(s) by using their Smartphone.
Internet Banking: With Internet Banking from American Trust Bank, you can conduct your financial transactions on our secure website while enjoying 24/7 access to all of your accounts in one place. It's a fast, easy and paperless way to keep track of your money.
- Access to your account information is free and you can make transfers, send us questions, review past account history and statements.
- Our Internet Banking Bill Pay system is an easy way for you to pay all your bills from one secure website. No more handwritten checks, envelops or stamps.
- In addition to banking on a secure website, you'll also be able to review your account activity as frequently as you would like rather than waiting on a paper statement.
Merchant Services: With Merchant Services, you can increase your company's sales by accepting Visa®, MasterCard®, Discover® or American Express®. We handle virtually any type and size of account and you'll be backed by unmatched customer support 24 hours a day, 7 days a week as well as online reporting.
- Quick customer response.
- Competitive pricing.
- On-site set up and staff training.
- 100% customer satisfaction policy.
- Set up is tailored to customer's specific needs.
- Free consultative visit
- Free analysis for existing merchants
- Latest technology for recurring payments, terminal, PC, wireless options and web-based services
- 24-hour customer service
Payroll Services: Whether your business is big or small, American Trust Bank can provide payroll service options customized to work for you. You'll enjoy the benefit of payroll management and processing services for your company - often for less than it costs to do yourself.
- Bring an end to your payroll hassles while reducing your company's payroll compliance exposure.
- Effectively eliminate the difficulties of constantly keeping current with the latest regulatory developments.
- Automatic w2 form filing.
- Garnishment reports and checks.
- Comprehensive reports.
- Web clock
- 401(k) reporting
Remote Deposit Capture: This service allows customer to deposit checks electronically from their offices using a compact check-scanning machine. In other words, we can make the business of doing business easier by eliminating the need for paper deposits, extra trips to the bank and a substantial reduction in transaction errors and time.
- Reduce time spent on deposit preparation and eliminate extra trips to the bank.
- Same-day deposits are credited by 8 PM.
- Multiple security controls, individual user permissions and encryption allow for added security.
- Eliminate courier and transportation cost.