Payables & Receivables

Improve your cash flow, efficiency and working capital.


Improve your cash flow by automating payments and streamlining reconciliation. Cash flow is what allows your business to do more. Partner with American National Bank and help it come in faster, safer, and smarter with a full suite of products and services tailored to your needs. Our receivables solutions are designed to help you accelerate your receivables processing, improve deposit availability, and increase staff productivity.


Do more with steady cash flow.

Streamline your payments and funds transfers between your business partners with our low-cost, secure ACH processing. Pay vendors, send payroll, and obtain monthly dues and donations with ease.

Payroll Services

Simplify and customize your HR workflow.

With Deluxe Payroll Services, our dedicated payroll specialists and personalized solutions do more for you so you can do more for your business.

Business Bill Pay

Pay bills with convenience and flexibility.

Pay bills without having to write a check. Add payees, schedule payments, and automate recurring payments. It’s convenient and flexible.

Wire Transfers

Quickly and safely send money.

Transfer funds quickly and securely between financial institutions both domestically and internationally through our Business Online Banking platform.


Increase efficiency and improve working capital. Spend less time managing finances and do more business with our easy-to-use online payment tools. Upload files, process payroll, set up wire transfers or recurring ACH transactions*, and make scheduled online payments for your business’s finances all in one place.

Lockbox Services

Speed up your receivables.

Reduce mail processing and deposit delays, while processing receivables information quickly and accurately, with American National Bank lockbox services. Your receivables will be mailed directly to a dedicated post office box and all items will be processed promptly and accompanied by reporting and research.*

*Availability of this features is dependent upon your account type.

Remote Deposit Capture (RDC)

Deposit checks from anywhere.

Gone are the days of endorsing checks, filling out deposit slips, and driving to your nearest branch—conveniently scan checks for deposit into your account from your office. Remote Deposit Capture is easy to use and only requires your computer to be connected to an RDC scanner, plus your own secure internet connection. It’s really that easy.

Merchant Services

Process payments every way, everywhere.

Whether you run a food truck, a health clinic, or a bed and breakfast, we understand different businesses have different needs. Our payment solutions are designed to support the way you do business, so you can focus less on payments and more on your customers.

Explore Our Other Products and Services

Business Credit Cards

Your business deserves a better credit card.

Liquidity Management

Make your balances do more for you.

Fraud Protection

Stop fraud before it starts.