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Business Cash Management Services

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Solutions for your business or ag operation.

At American Federal, we offer a wide variety of cash management services for your business or ag operation, and you’re able to pick and choose the services that are right for you. 

ACH Origination

Reduce expenses and increase control of your company’s disbursements using our ACH Origination for payroll, vendor payments, direct deposits, and more! 


Wires from American Federal let you complete same-day electronic transfers to domestic businesses. Use them to purchase supplies and goods for your business’ inventory, operating expenses, and more! Wires are a great alternative to a typical official check or sending payments through the mail, and can be requested in person, by telephone, fax, email, text or through our online banking system. 

For added security, you can also set up dual control to have multiple people approve a wire before the funds leave American Federal Bank.

Business Bill Pay

Set it and forget it!  Program invoices and American Federal’s Business Bill Pay will debit your checking account and send funds by either ACH or check. It’s a cost-effective and secure way to make payments. 

Bill Pay is an option you can utilize to pay your  regularly occurring bills, and even employees. Funds can also be sent via mail or through the ACH/electronic option when creating a payment. 

Positive Pay

Positive Pay is an excellent solution for protecting your business from fraud — a must in today’s world. Upload a ledger of the checks you cut from your account, and Positive Pay will help you monitor them to ensure your checks are used for their intended purpose. You can also maintain a list of approved vendors. 

The only transactions that come out of your account are those that you approve. If your business makes payments via ACH or check and you’re concerned about fraud loss, this is the program for you.  

Mobile Deposit

With our Mobile Banking App, you can deposit checks to your account at any time with just a few taps. It’s quick, easy, and best of all, you can make deposits at any time and from just about anywhere. Download the our Mobile Banking app to your smartphone today to get started. 

Remote Deposit Capture/ezDeposit

Even with the popularity of electronic payments, your business still needs an easy and efficient way to deposit checks. With ezDeposit, you have your own check scanner at your office to save yourself time and mileage.

ezDepost gives you faster access to your funds, offers simple tracking of activity and transactions, and uses state-of-the-art encryption technology to protect the confidentiality of the information on your scanned items. 

Merchant Services

Your customers want the freedom to decide how they pay: in-store, online or on the go. But you don’t have time for complicated solutions. Our Merchant Services offer you a smart payment processing solution that meets all your needs without any unnecessary complications. Through our solutions, your business can accept all major payment types including debit and credit cards, chip cards and Apple Pay®, Google Pay™ and Samsung Pay®.


A sweep is set up to automatically manage funds between a primary cash account and secondary accounts. They can be used for things such as maintaining target balances for accounts or funding payroll accounts. For example, if you wanted to isolate your payroll expenses, you can cut your payroll from a second account, and the first account will automatically transfer funds to your payroll account.

Business Debit Cards

This multi-use card from American Federal offers ultimate convenience for your purchases. Safe, secure and easy to use in place of writing checks or carrying cash. Your purchases are electronically debited to your checking account. Use your card to withdraw cash at ATMs worldwide. There is no annual charge for an American Federal Debit Card for our Business and Ag checking accounts.

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.