Cash Management
Disbursing Funds

How and when you send payments is made easy with American River Bank’s payment capabilities.

For more information about these time and money saving services please call your local branch.

ACH ORIGINATION – Initiate payments to your staff, consumer and corporate clients.

ACH Services, the network that moves payments electronically between financial institutions, increases efficiency and decreases errors making your work flow faster and more accurate.

Features and Benefits

  • Transfer money to and from other banks
  • Make direct transfers to pay vendors
  • Pay employees via direct deposit
  • Collect monthly payments from clients or members
  • Pay taxes
  • Control payment post and withdrawal dates

BUSINESS DEBIT MASTERCARD®

Need to purchase office supplies? Meet clients for dinner? Take along the American River Bank Business Debit MasterCard®. Use it to make business purchases worldwide anywhere you see the MasterCard® logo.

Features and Benefits

  • Included with Business Checking Account for those who qualify*
  • Access to over 33,000 surcharge-free ATMs nationwide
  • Use at millions of locations worldwide that accept MasterCard®, Maestro® or Cirrus®
  • 24/7 monitoring and protection

*Up to five (5) cards per company; daily limits apply.

Customize Employee Card Capabilities

Want to assign banking responsibilities to your employees without sacrificing security on your account?

The Business Debit MasterCard® allows you to customize card functions by user for greater control, including withdrawals, transfers, purchases, deposits and account inquiries.

BUSINESS BILL PAYMENTS

American River Bank Bill Pay service helps make bill payment easy. In addition to managing payments, using Bill Pay can prevent late-payment penalties and even help save money on bills by taking advantage of early-payment incentives from vendors. Schedule one-time or recurring payments up to one (1) year in advance.

Bill Pay Features

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

Fees

Fees may apply.

  • 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 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/One-Time-Pin

    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 Out-of-Band Authentication (OOBA)?

      Out-of-Band Authentication (OOBA) is a service to combat online fraud. OOBA requires an additional authorization that occurs outside of the online system, or “out-of-band”. 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 One-Time-Pin (OTP)?

      One-Time-Pin (OTP)  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.

OUTGOING WIRE TRANSFERS

Initiate domestic and international transfers* from any branch location or the convenience of your own computer.

  • Secure, same day transfers
  • Both domestic and international wire transfers available
  • Schedule one-time or recurring transfers for future use

*Fees may apply, for more information visit one of our offices or call your cash management specialist.