Treasury Management

Complete banking services to maximize your working capital

Treasury Management Solutions

Our Treasury Management solutions help local businesses grow and prosper by maximizing their working capital through improved cash flow, enhanced operational efficiency, and quicker access to account and payment information.
 
Our comprehensive suite of products and services includes:
Payables Receivables Cash Management
  • ACH Credits (payroll, tax and vendor payments)
  • Domestic Wire Transfers
  • International Wire Transfers
  • Online Bill Pay
  • ACH Debits (vendor payments)
  • Remote Deposit Capture
  • Merchant Services
  • Automated Fund Sweeps
  • Zero Balance Accounts
  • Internal Account Transfers

Business Online Banking

Our online cash management system provides 24/7 access to account information, including real-time balances and detailed transaction history. You can initiate ACH and wire transfers, stop payments, transfer money internally, and deposit checks remotely.
 
  • Manage your accounts with a single login.
  • ACH, wire and remote deposit functions can also be managed with a single login
  • Enjoy dual control on money transfers
  • Transfer money internally in real-time or dated for the future
  • Get previous and same-day reporting in real-time
  • Access electronic bank statements
  • Set up a direction connection with QuickBooks(R) 

Additional Services

We offer many additional time-saving, cost-saving services to complement your cash management needs.


Account Reconciliation

 
Save time and money by using our Account Reconciliation service. This service automatically reconciles all transactions paid against your American National account. This quick, easy, accurate service speeds your account-management process.
 

 

Fraud Protection with Positive Pay

 
  • Ensure your accounts are protected against fraudulent transactions with the American National Bank Positive Pay service.
  • Each time you issue checks, you will submit an electronic file to American National containing the individual check serial numbers and amounts.
  • We build a cumulative check register from the file you send and compare every check presented for payment against it.
  • If a check’s serial number and amount do not match your check issue record, the check is presented to you for review as a possible fraudulent item.
  • You decide to pay or return the check.
  • All checks presented to an American National teller for cashing are compared to your company’s check issue file. If the information on the presented check does not match your check issue file, the person is referred to your company.
 

 

RemitPlus, an electronic check processing and remittance solution 

 
  • This easy to use system scans and archives digital images of checks and electronically deposits them to your account.
  • The solution’s advanced character recognition reads and stores the amount, endorses the checks, and saves the selected  identifiers from the coupons, significantly reducing the errors generated through manual entry. The user can view the front and back of the check image while correcting any misread items.
  • In addition to saving money by reducing the per-transaction fees encountered with paper check processing, RemitPlus further mitigates fraud exposure by limiting paper check handling.
 

 

Lockbox Services


Save time and increase cash flow by outsourcing the processing of mailed payments to American National. Our Lockbox solution automates the receipt, processing and deposit of checks sent via regular mail, saving time and reducing error and risk.
 

 

Wire Transfers

 
American National Bank offers secure, online wire transfer capability for domestic wires via online banking.
  • Expedite wire transfer requests
  • Use recurring wire templates to eliminate potential errors
  • Added fraud protection with multi-factor authentication
  • Opt to receive incoming and outgoing email notifications
 

 

Merchant Processing


Whether in your shop or online, we can help increase sales by providing credit card payment capability to your customers. With our first-class service and local support, we are here for you and your business!