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Important Holiday Notice

American National Bank and The Federal Reserve Bank will be closed on Monday, February 17th, for President's Day.

Please keep in mind that transactions cannot settle on Monday, February 17th.

To ensure payment by Friday, February 14th, your ACH entries should be processed through iBank on Thursday, February 13th, and dated for February 14th. We recommend that you transmit the ACH information prior to 9:30 AM.

Any ACH transactions initiated on Friday, February 14th, will not settle until Tuesday, February 18th.

If you should have any questions, please feel free to call the Funds Transfer area at 402-399-5020.

American National Bank

Payables and Payroll

Secure transfers. Predictable payroll. Automated ACH payables.

Secure transfers. Predictable payroll. Automated ACH payables.



Simplify your payments

Streamline your business's finances with our easy-to-use online payment tools. Upload a payables file. Process your payroll. Set up wire transfers or recurring ACH transactions. Make reliable, predictable, scheduled electronic payments with our services.

And that's just the beginning of how we can help you strengthen your relationship with your trading partners. Setting up recurring payments is fast and easy with our online secure portal.

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ACH Direct Deposit & Payables


Want a more predictable cash flow? ACH payables can save your business both time and money. Our ACH Manager service lets you enter manually or upload files from your accounting system or an Excel Spreadsheet.

Use it for: payroll, insurance payments, retirement funds, vendor payments, and other accounts payables items.



Here's what ACH Payables can do for you:

  • Automatically deposit paychecks in employee bank accounts on time and without delays
  • Save time by setting up recurring payments
  • Set up future date payments to maximize discounts, streamline cash-flow, and ensure payments are on time
  • Protect against fraud by eliminating lost, stolen, returned, or fraudulent checks
  • Reduce bookkeeping reconciliation time and eliminate check writing
  • Reduce time spent reconciling employee paychecks 

NEW ACH Manager

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Payroll Services

Running a company's payroll requires diligence and trust. That's why we partnered with Sage Payroll Services, to deliver best-in-class online payroll services.

We can run everything from payroll processing, direct deposit, tax filing with federal, state, and local jurisdictions, protection from fines and penalties. And we do it all for one low price.

Some of the benefits include:

  • Pay employees with a click of a button - cutting expensive check costs
  • Convenience for your employees - online portal to view pay stubs
  • Tax filing and remittance done on your behalf, designed to protect you from late fees and related penalties


Explore our payroll packages:

Payroll Essentials:

  • Well-suited for businesses with 1-10 employees
  • Direct deposit for your employees
  • Vacation and sick-days balance tracking
  • Simple enrollment, easy setup
  • Flat fee per month - $49.95

Payroll Full-Service:

For larger businesses or those with more complex needs, ask about our Full-Service Payroll option. Pricing will depend on your specific needs. Additional service options include:

  • Support for garnishments
  • Additional labor distribution
  • 401k integration


Both Services:

  • Comprehensive online payroll reports
  • Employee online access to pay stub information
  • Six-month money back guarantee1
  • No long-term commitment.
  • Unlimited support - from set up to assisting with IRS inquiries, payroll experts are available
  • Options2 for:
    • Year-end tax filings, W-2 and 1009 forms
    • Payroll cards
    • General ledger interface
    • Worker's compensation service
    • Time and attendance tracking


1 The money-back guarantee is available within the first six months of payroll processing with Sage Payroll Services. The refund is only available on processing fees, excluding courier, UPS fees, NSF charges, stop payment charges, and W-2 fees.

2 Additional fees may apply. 



Financial information displayed on laptop

Secure FTP Transfers

Automate the transmission of files to the bank on a regular schedule. Transfer large ACH files or other files to/from the bank automatically over a secure connection with encrypted files.

Although our iBank online banking product allows customers to upload files, some of our customers prefer to use Secure SSL FTP Transfers, especially for large or automated files. Secure SSL FTP Transfers are simple, cost-effective, and secure.


Abstract graphic of wire transfers made on iPhone

Wire Transfers

Send money electronically between financial institutions quickly and safely. We cover both domestic and international transfers. Have frequent transfers? We can establish customized Wire Transfer Agreements to authorize select employees to make transfers.


You can even initiate wire transfer requests via phone. Users of our iBank online banking service can make wire transfers online. In addition, you save money when wires are done through iBank at a discounted rate.



Advantages of Using Wire Transfers:

  • Sending money by wire is fast, safe, and traceable
  • Information contained in wires is transmitted securely through encrypted communication channels
  • If wired within the U.S., credit is generally received the same day
  • International wire transfers can be made in U.S. dollars or in foreign currency
  • Bank-to-bank wire transfers are considered the safest payment method


NEW Wire Manager