Business Online Banking & Bill Pay
Online Banking Made Easy

Business Online Banking is a complete online cash management suite that gives you the control and convenience to run your business efficiently. Business Online Banking includes Bill Pay, ACH Services, eStatements, Wire Transfers, Account Alerts, and more.

Online Banking Features

  • Grant access rights and limits for each user via robust administrative controls
  • View balances - Checking, Savings, CDs, Loans & IRAs
  • View, export and search history, including pending transactions
  • Transfer funds between accounts, including loan payment and advance requests
  • Place stop payments
  • Submit wire transfer requests
  • Order checks
  • View online images of checks, deposits and statements
  • Set balance, security and scheduling alerts
  • Customize your experience - nickname accounts, reorder accounts and more!
  • No software to download

ACH Services

  • Collect one-time or recurring payments from customers or members
  • Send electronic payments to vendors and pay employees with direct deposit
  • Send EFTPS Tax Payments (State and Federal)

What is ACH?

ACH stands for Automated Clearing House, a nationwide network through the Federal Reserve System that allows individuals to move payments electronically between financial institutions. ACH Service is faster, more cost-effective and secure than writing checks.

Features and Benefits

Transfer money to and from other banks, control payment post and withdrawal dates, and make direct transfers to pay vendors

ACH Payments

ACH Payments allows you to transfer funds to an account at another financial institution. Because we use the ACH payment network for this service, you reap the control benefits of sending money via ACH, such as specifying when the recipient actually receives the funds.

ACH Receipts

ACH Receipts is the opposite of ACH payments. You may use this feature to collect funds owed to you from members or customers.

Pay Employees Via Direct Deposit

Payroll is the ability to credit multiple recipient accounts, regardless of where those accounts are held. This feature is most commonly used to allow you to pay employees electronically (aka Direct Deposit). You can split a payroll amount between two different accounts at two different banks, giving your employees more control over their resources.

Collect monthly payments from clients or members

Collections is a useful tool to collect recurring dues or fees from members or customers. While ACH Receipts debit one account at a time, Collections allows you to debit multiple accounts outside the bank at the same time and credits your account inside the bank for the sum total of those debits. Examples include:

  • Membership fees
  • Dues
  • Church tithing
  • Tuition
  • Recurring service payments

Pay Taxes

EFTPS (Electronic Federal Tax Payment Service) allows you to send funds for federal and state tax payments straight to the Internal Revenue Service or other state agency..

Wire Transfers

  • Submit wire transfer requests online or in-branch
  • Domestic or international

Bill Pay Features

  • Receive eBills directly into your Online Banking
  • Pay bills from multiple accounts
  • Avoid late fees by scheduling automatic recurring payments
  • Schedule automatic payments in response to eBills
  • Make expedited payments
  • Set-up email alerts, including payment confirmations
  • Create customizable reports
  • Organize payment categories


ACH Services, Wire, Bill Pay and Transfer fees may apply.

Mobile Banking

Manage your finances anytime, anywhere.

Use your mobile phone* or tablet to access your Business Accounts at your convenience – while in a meeting or waiting in line for your morning coffee. It’s safe, secure and an easy way to stay in even more control of your finances.

Features and Benefits

  • Access your accounts from virtually anywhere, using the American River Bank App, your mobile phone’s web browser or SMS text messaging**
  • Deposit checks through the American River Bank App with Mobile Deposit***
  • Supervisor users can grant access to standard users and approve drafted transactions
  • Locate surcharge-free ATMs in the MoneyPass® Network
  • View account balances
  • View recent transactions
  • Pay bills
  • Secure network protects personal and financial information

* Mobile banking requires a smart phone with text and web browsing capabilities. Message and data rates may apply.
** Please note that American River Bank will not send unsolicited text messages. Enrolling in SMS text banking allows you to send banking commands to the mobile banking system and receive responses to those commands.
***Some restrictions apply. Refer to our mobile banking FAQ for details.

Business ACH Reporting

Business ACH Reporting provides relevant information that accompanies ACH transactions so you can easily and efficiently manage your payments. See invoice or purchase order numbers, the names and Social Security numbers of representative payees or details of health insurance claim payments.

Features and Benefits

  • Automatically receive easy-to-read reports or machine-readable straight-through processing files for remittance data, health care entries and Social Security payments.
  • Authorize staff to retrieve reports from an encrypted email portal.
  • Import ACH payment-related remittance (EDI) information to an accounts receivable package.
  • Receive a quick list of all your ACH entries for the day or a list of CCD and CTX entries to help keep you from missing the 24-hour return deadline.
  • Receive automatic notification of ACH items of interest.
  • Easily reconcile a single ACH payment to multiple invoices.

View Sample Reports

Sample Remittance Reports
Sample Social Security Reports


Monthly fee may apply.



  • Business Accounts

    1. How do I log into American River Bank’s Online Banking?

      It’s easy. Log on and enter your secure online ID, which is provided by the bank, along with a temporary password. The first time you log in, you will be required choose a new password, and then set up your security image, pass phrase and security questions. Access to your Online Banking is free.

    2. How long does it take for an account transfer to be posted?

      Transfers initiated before 7:00 PM on a business day are posted to your account the same day. Transfers initiated after 7:00 PM on a business day, or anytime during weekends or bank holidays, will be posted on the following business day. Account transfers performed through Online Banking are free.

    3. What is Business Apps?

      Business Apps is a suite of online services intended for Business Clients. These services include the ability to pay taxes electronically and request wire transfers. However, the real power of Business Apps lies in its ability to allow users to initiate funds transfers between banks for direct deposit payroll to employees, electronic payments to and from vendors, and to collect payment electronically. The Business Apps system uses the National Automated Clearing House (ACH) network for these funds transfer capabilities.

    4. What is ACH?

      ACH, or Automated Clearing House, is a method of moving money between banks electronically, and is an alternative to writing checks or sending wires. Checks are fairly inexpensive, and generally take a few days for the receiving account to be credited. Wire transfers move funds very quickly, generally posting to the receiving account the same day, but are very costly to both the banks and the account holder. The happy medium is ACH. ACH entries can be sent anywhere in the United States and arrive at the receiving institution within one or two business days. They also have the advantage of being able to specify the date on which the receiving account is to be credited or debited.

    5. What are the Business Apps features available?

      There are several Business Apps services to choose from. Here is a brief summary:

      Bill Pay* allows you to pay bills online, which are sent either electronically or as paper drafts.

      Payroll** is the ability to credit multiple recipient accounts and is ideal for providing direct deposit payroll to your employees.

      Collections** is the ability to debit multiple recipient accounts, which is a great tool to collect monthly dues or fees from members or clients.

      ACH Payments** allows you to credit funds to an account.

      ACH Receipts** allows you to debit funds from an account.

      EFT Tax Payments** allows you to send funds directly to Federal (IRS) and State (EDD, BOE, FTB, and DOI) agencies for your tax payments. Previous enrollment with these agencies might be required.

      Wire Transfer Requests allows you to submit a wire transfer request to the bank. Assuming the request is placed within valid business hours, the receiving party will receive the credit the same day.

      Send a File** permits the user to securely send an ACH formatted file to the bank for processing.

      Administration will allow a Supervisor to establish individual rights for individuals. A user with Supervisor rights has access to all accounts and all services activated. A Standard user must be granted access rights by a Supervisor.

      Authorize Transactions is a security feature specifically designed to provide dual control for Business Apps services.

      * Bank activation required prior to use.
      ** Credit approval and bank activation required prior to use.

      Access to many of the Business Apps options is free, however, fees may apply for the following services:

      • Bill Pay
      • Payroll & Collections*
      • Payments & Receipts*
      • EFT Tax Payment
      • Wire Transfers
      • Send a File*
      • Initial ACH Setup Fee*

      * See ACH Origination Agreement for complete schedule of ACH fees.

    6. How do I sign up for the Business Apps services such as Bill Pay or ACH?

      It’s easy. Just contact your branch and let them know which of the Business Apps services you’d like to add to your Online Banking profile. Basic features, such as Bill Pay, can be added within two (2) business days. Other services that involve ACH transactions, such as Payroll and Collections, require an application for credit approval, and are generally activated within one week of completion of the approval process.

    7. When I submit a stop payment request, how long does it take to go into effect?

      The guidelines for placing a stop payment order on a check via Online Banking are the same as via telephone, as outlined in your Deposit Account Agreement. If the request is submitted during business hours, it is processed the same day, and remains in effect for 14 days. After submitting the request, deliver a signed copy to the bank to confirm. The order will remain in effect for six (6) months. For more information, refer to your Deposit Account Agreement, or call your branch. A fee may apply for each Stop Payment Request via Online Banking.

    8. What is a Check Image?

      Our Check Image viewer allows you to view and print images of your checks that have been paid. The images remain on the system for up to 60 days or more, depending on the amount of account activity. There is no fee to view a Check Image.

    9. What is an eStatement?

      eStatements allow you to view, print, and save your account statements and check images via Online Banking. Once you enroll in eStatements, you will no longer receive a paper statement in the mail, which is good for the environment, and good for you – you’ll receive your statements sooner, and won’t have to worry about statements being lost or stolen in the mail. If multiple people in your organization need to see statements, they can be saved to your computer network. There is no fee to access eStatements.

    10. What else can I do in Online Banking?

      You can reorder checks; export history for uploading into a money management program such as Quicken or Microsoft Money; submit a Change of Address notification; receive email reminders; nickname your accounts for easy reference; and monitor your account(s) any time, any day, from anywhere you can access the Internet. These services are included with Online Banking.

    How do I set account rights?

    Account rights are set by a Supervisor user:

    1. Login to Online Banking at
    2. Click Business Apps on the blue menu bar.
    3. Click the Administration button.
    4. Click Accounts on the left menu.
    5. Review the Account Entitlements and check or uncheck boxes as needed.
    6. This page determines what features can be used with each account, and it affects all users who have rights to those accounts. (For additional information, click Help.)

    How do I set user rights?

    A supervisor user can set rights for themselves and for other users:

    1. Click Business Apps on the blue menu bar.
    2. Click the Administration button.
    3. Click the link for the user name to be modified.
    4. Pay special attention to the Account Access section.
      To add an account, select the account number in the Account drop-down box, then click Add Account to User’s Permission List.
      The screen will refresh and then you can check the boxes to give the user View and/or Deposit rights. (For additional information, click Help.)
    5. Make any other changes to rights as needed.
    6. Click Save.
    7. Click Confirm.
  • Bill Pay

    1. How do I sign up for Bill Pay?

      It’s easy. Just contact your branch and let them know that you’d like to add Bill Pay to your Online Banking profile and you’ll have access to the Bill Pay feature within two (2) business days.

    2. How much does Bill Pay cost?

      Bill Pay is free, up to twenty (20) items per month, and just $0.50 per item in excess of twenty. If you incur Bill Pay fees, they will be automatically deducted from your checking account monthly, on the anniversary of the day you enroll in Bill Pay. For example, if you enroll in Bill Pay on June 17th, and send 25 payments prior to July 16th, $3.50 will be deducted from your account on July 17th.

    3. When is the daily cut-off time for bill payments?

      There is no specific cut-off time for Bill Pay. The system will show the date the payment will be sent, and will not allow you to select a day that is unavailable.

    4. What if I need a payment to go more quickly, like the next business day?

      We do offer Expedited Payment services. Simply click on the biller in your payee list, and then click the link to Send Expedited Payment.

    5. How does a Bill Pay item appear on my account statement?

      An electronic payment will appear in the transactions section of your monthly checking account statement referencing “Automatic Debit” followed by the payee name and the term “Bill Payer”. A check payment will appear below the transactions section of your statement with the rest of the checks issued from your account. Bill Pay checks will begin with check number 9000.

    6. Will I receive a copy of the Bill Pay item with my monthly account statement?

      If the payment is issued in the form of a check, a copy will be included with your check images. If the payment is sent electronically, no image is available.

    7. Can I set up a bill payment to go automatically?

      Yes. One of the many great features of our system is that it allows you to set up bill payments to be sent automatically, according to the days and frequency you specify. Recurring payments are ideal fixed payment amounts, such as mortgage or car payments, health or car insurance premiums, or landscaping or pool cleaning services. You can even set up rules so that payments are made in response to an eBill, if available – pay the full statement balance, minimum balance, pay on the due date, before the due date, etc.

    8. What is an eBill?

      An eBill is an electronic version of your billing statement – utility statement, credit card statement, cell phone bill, etc. – that is delivered to your Online Banking Bill Pay, where you can view, print, save and pay it. You can even set up an automatic payment and we’ll pay your eBill when it arrives. We can also send you an e-mail when it arrives and when it is paid. No more late payments or late fees.

    9. How do I switch from a paper bill to an eBill?

      It’s easy. If the biller offers an eBill, there will be a blue "Set up e-bill" link below the company name. Just click the link and follow the online instructions. You should begin receiving your bill online within 1-2 billing cycles.

    10. Will I be able to pay bills that are due in the future?

      Yes. Future dating of bill payments allows you to schedule a payment today, but to select a date in the future for it to be paid. When the Send On date arrives, your bill payment will be processed.

    11. What happens if a bill payment is made, but the bank account balance from which the funds are to be paid is insufficient?

      If you do not have sufficient funds in your account when the item is presented for payment, your Bill Pay privileges are automatically suspended for five (5) business days. On the fifth business day, if no other items have been returned for insufficient funds, the block is removed, and access to Bill Pay will resume on the 6th business day. If the payment was made by check, is $500 or more and has not yet cleared, a stop payment order is placed on the check. For all payments made by check that are less than $500, and all electronic payments, we will attempt to process it again. If funds are insufficient on the second attempt, payments to billers that can be reversed will be reversed. Those that cannot be reversed will be submitted again. If, after the third attempt, sufficient funds are still not available, a collections service request is opened.

    12. How do I know if a bill payment was sent?

      You can easily view the payment status on the Bills & Payments screen of Online Banking Bill Pay. The Last 5 Processed Payments are displayed on the right side of the screen. You can also click on any payee, and then click View Payment History. Or, click the blue Payment Records link at the top of the Bill Pay window, and view various payment reports.

    13. How do I cancel a bill payment?

      You may cancel any payment up until the day it is sent. Pending Payments are displayed on the top right side of the Bills & Payments screen. Just click the Cancel link to cancel a payment.

    14. How do I change a bill payment?

      You may change any payment up until the day it is sent. Pending Payments are displayed on the top right side of the Bills & Payments screen. Just click the Edit link to modify a payment.

    15. How long does it take for a bill payment to be processed?

      The Bill Pay system is designed to perform the payment processing cycle through completion using the fastest process possible. This is accomplished by using one of two payment methods to send the funds and payment information to the payee (biller). The amount of time it takes for the biller to receive the payment depends on the method used.

      Electronic Payments: Metavante is the company through which we process bill payments. Metavante has established payment-processing relationships with many large companies throughout the U.S., as well as other financial intermediaries for quickly transferring funds and updating customer payment records. If you pay one of these billers, the funds are sent via an ACH (electronic) credit, and your account information is forwarded through another electronic file, quickly updating the biller’s records. The result is that your payment typically completes the cycle within 2 business days of the payment’s Send On date.

      Paper Payments: Not all companies can accept electronic payments. Those companies, and anyone you pay who does not have an established relationship with Metavante, receive payments via paper draft. A paper draft is a check drafted from your checking account, which must be mailed to the payee. Some delays in the actual posting of the payment may occur due to hold ups caused by mailing the payments and manually processing them. These payments can take between 3 and 10 business days to complete the cycle.

    16. In Bill Pay, how do I know if the payee is an electronic or a paper draft payee?

      After the payee is set up, click the payee’s name in your payee list. On the drop-down menu, to the right of Payee Information, there will be a notation of how quickly payments are received by that biller. Electronic payments are usually received within two (2) business days, and paper payments are usually received in about four (4) business days. When you schedule a payment using the calendar button next to the Send On date box, as you move you mouse over the days on the calendar, it will show you the Send On date as well as the estimated Deliver On date.

  • Out-of-Band Authentication/OTP

    1. Why the need for additional security?

      One of the most difficult types of online fraud to combat is the type of fraud that occurs when a user’s credentials – login ID and password – are compromised or stolen. Because the perpetrator has the user’s credentials, when the perpetrator logs in, he or she appears to be the legitimate user. This poses a concern for Business Online Banking users who have the ability to send money outside the bank via ACH. The risk is that the perpetrator will add or modify a receiver, send money to an account at another financial institution, and then withdraw the money before the real user notices what has happened.

    2. What is OOBA?

      One of the ways to combat online fraud is to require an additional authorization that occurs outside of the online system, or “out-of-band”. This is known as OOBA, or Out-of-Band Authentication. It requires a user to go “out-of-band” or out of the Online Banking system and onto a separate system – phone or text – to validate a transaction before it can be completed.

    3. What is OTP?

      OTP stands for One-Time-PIN, which is a type of password that can only be used once. When a user submits a request to send money outside the bank via ACH, a one-time-PIN is required to complete the transaction. This PIN is sent to the user through a text message to their mobile phone, or through an automated phone system that gives the PIN verbally to the user. After receiving the PIN, the user must enter it on-screen in Online Banking before the transaction can be completed. Since the phone and mobile phone text are separate systems from Online Banking, out-of-band authentication is accomplished. In other words, it is much more difficult for a criminal to gain access to both a user’s credentials and the one-time-PIN through a separate system.

    4. Which businesses must use OOBA/OTP?

      ACH Originators who submit Payroll or ACH Payments via the Business Apps menu in Online Banking are required to use OOBA/OTP.

    5. Which transactions require OOBA/OTP?

      The following transactions require OOBA/OTP:

      • ACH Credits – Payroll and ACH Payments
      • Changes to Other Sensitive Information
        • Delivery Information – phone numbers used to deliver the OTP.
        • Business Supervisor Functions – changes made via the Administration menu.
    6. How do users enroll for OOBA/OTP?

      Supervisor Business Users are enrolled for OTP by the bank. Standard Users are enrolled for OTP by Supervisor Users via the Administration Menu under Business Apps in Online Banking.

    7. How does a Supervisor User enroll a Standard User?

      It’s a simple process:

      • Click ‘Business Apps’, then ‘Administration’.
      • Under ‘Manage Users’, click the name of the user.
      • Click ‘Enroll For One-Time PIN’.
      • Enter ‘Phone Number (Call Me)’ and/or ‘Mobile Number (Text Me)’.
      • Click ‘Submit’.
      • On the confirmation screen, click ‘Send OTP’.
      • Enter OTP on-screen, and click ‘Confirm’.
    8. How does a user change their OTP settings?

      Just click ‘Preferences’, and then click ‘OTP Settings’. From the OTP Settings menu, a user can edit their OTP phone numbers and validate (test) OTP to ensure the new settings work correctly.

    9. How does a user submit Payroll or ACH Payments with OTP?

      It’s easy!

      • From the ‘Business Apps’ menu, select ‘Payroll’ or ‘ACH Payments’.
      • Enter the information and click ‘Submit’.
      • Choose the OTP delivery method – ‘Call Me’ or ‘Text Me’ – and click ‘Send OTP’.
      • Receive the OTP and enter it on-screen.
      • Click ‘Confirm’.
    10. What if one user can only draft a transaction and another user must authorize it?

      OTP is required on both Draft and Authorize, so each user will be required to enter a separate OTP each time Payroll or ACH Payments are submitted.

    11. How does OTP work with recurring transactions?

      OTP is only required once for recurring transactions, when the recurring transaction is initially set up. After that, the payments will just go out automatically according to schedule, without needing an OTP each time they are sent.

    12. Does the OTP expire?

      Yes. Each PIN can only be used once, and expires after 10 minutes.

    13. What happens if the OTP expires?

      The user will simply need to request another OTP by clicking the ‘Send OTP’ button again. Up to three OTPs can be requested for a single submission. After the third unsuccessful attempt, the user will need to contact the bank for assistance.

    14. What if a user enters the OTP incorrectly?

      The transaction will not be completed unless the OTP is entered correctly. A user will have three tries to enter the OTP correctly. After three incorrect attempts, the user will need to contact the bank for assistance.