Overview
Logging in
1. Log into ANB Go Business.
2. Click on the Other Services tab.
3. Click on Business Bill Pay.
4. You will be re-directed to another tab in your browser.
5. You will be prompted to select 4 challenge questions and create a security key.
6. Once complete, click Submit.Home screen
Users have a snapshot of Bill Pay activity.
Profile
Manage important user information.
View Contact Info
Users can update their email, phone and mobile numbers by clicking the edit icon (pencil).
Default Page
Users can choose which page appears when they access Bill Pay.
Challenge Phrases
Four challenge phrase questions are always required.
– A user must add another challenge phrase to remove one.
– A user can be locked out for answering two challenge phrase questions incorrectly, three times each.
Messages
Send and receive messages to/from American National Bank.
NOTE: Messages will stay in the Secure Message Center for 180 days, or until deleted.
Attention Required
The top of the homepage will display yellow alert banners when users must take action. Actions required may include:
– Outstanding Check
– Activate Account (Payee or Transfer)
– Unlock Email Payee
– Verify Transfer Account (Inbound Transfer)
– Troubleshoot eBillShortcut Method
This feature provides a faster way to schedule transactions and is based on bill payment history.
Scheduled
See transactions that are scheduled to process within the next 30 days. Users can Edit or Stop transactions until the processing time on the Process Date.
Sub-users with Manage Users permission can select whose transactions are displayed on the Home Page.
– All transactions
– Their own transactions
Select either All Transactions or My Transactions to see each.History
View transactions that have been processed or paid within the last 30 days, with the option to see details.
Since You Last Logged In
This feature lists reminders that were sent.
Payees
Add a Company
Users can select a method of payment, either by entering the company’s account number or clicking No account number and entering the company’s details.
Company Payee Details
When adding a company, users can enter information from their statement. Bill Pay will search for a payee match based on that information.
– If a correct match is found, click Submit to add the payee.
– If the information is incorrect, click back to edit payee information or use This is not my payee to enter additional information.
– If no match is found, or an incorrect match is found, enter the payee’s address. Once the information has been completed, the click Submit payee.
Add an Individual
There are three options to add an individual as a payee:
– Electronically – Allow them to provide their banking information.
– Electronically – The recipient provides their account information through a secure process. The user provides the recipient’s account information.
– Check – A check is mailed to the recipient.
Allow Them to Provide Their Banking Information – Pay a Person
– The user is required to provide contact information for the payee.
– The payee receives a notification with a secure link that requests security validation and their account information.
– Account information is passed behind the scenes and is not available to the subscriber at any time.
Input the payee’s information:
1. Tell us about the Individual – Fill in the required fields:
2. Payee’s e-mail information – Fill in the required fields:
3. Create a security keyword – Fill in the required fields:
– A keyword is a word or phrase created by the user that is communicated to the payee.
a. The payee must enter it as a security measure. When entered correctly, the system prompts the payee to enter their bank account information.
b. The user can view the keyword when they edit the payee.
4. Click Next.
5. Follow the activation process and steps, below:
Activate a Payee – Users can activate a payee now or later. Users cannot schedule payments until the activation process is complete.
Activation Process
Payee activation is an additional security feature for higher-risk payees:
– A Person
– Transfers
Activation Code Details
An activation code is a one-time, system-generated code.
– It is specific to each payee and expires if a user requests a new code for the payee.
– A user can be locked out for entering the activation code incorrectly three times.
– Payments cannot be scheduled until this step is complete.
Activation Code Steps
1. Select the preferred delivery method to receive the activation code: by phone, email or text.
2. Enter the activation code.
3. Click Submit.
Payee is sent an email where they must enter:
– Keyword
– Account information
a. The payee has nine days to enter their keyword and account information. If they fail to complete this, they are automatically deleted from the payee list and the subscriber is notified via email.
b. Scheduled payments cannot process until the payee enters their account information.
Payee Site Sample Screen
Payee Locked Out
Emailed payees can be locked out for entering the keyword incorrectly three times. After the third lockout (nine total failed attempts), the system deletes the payee.
After the initial lockout (three failed attempts), the system automatically unlocks the payee after 24 hours.
Users can unlock them through/by:
4. Attention Required
5. Contacting Treasury Services at ANB for assistance: 833-774-6897
I Have the Bank Account Information (ACH)
Users can add a person to receive ACH deposits if they have their direct account information.
NOTE: Routing numbers are validated for the external institution.
Mail a Check
Users must enter a payee’s information in the appropriate fields.
Import Payee
By clicking Import payees, users can upload payee records from a CSV file.
Manage Payees
Users can view and manage their existing payees.
– Pay: Schedule a single payment.
– Edit: Update payee information.
– Delete: Remove the payee from the list (History is maintained for 18 months).
– Activate: Request an activation code for the payee.
Manage Categories
Manage multiple payees by placing them into categories.
To add a new category, click Manage categories. Enter a Category name, then click Add category.
To assign or change a payee to a category, select a category from the drop-down menu for the payee in question.
Payments
One-Time Payment
Select a payee to schedule a payment, then click Pay (3).
Then select an account, amount, and process date.
Invoice/Comment
Users have the option to add an invoice and/or comment.
– Comments are for personal use only and are not included with the payment.
– For check payments, the invoice information is printed on the check stub.
– For electronic payments, the invoice information is sent in the payment file to the payee.
– Not all payees allow electronic invoices.
Enter the invoice information, then click Save changes. To add more invoice lines, click +Add.
When adding an invoice to an electronic payment, users are notified that the payment is sent as a one-time check if the payee does not accept electronic invoices.
Once the invoice is saved, click Pay all and confirm the address.
Processing Information
Bill Pay offers two processing methods, Process Date and Deliver by Date.
Note: Payments process Monday through Friday at 3 p.m. ET.
Process Date
Select the preferred date for payment processing.
– Electronic Payments: Bill Pay begins verifying the funds on the process date and time.
– Once the funds are verified, Bill Pay pulls the funds and sends the payment to the payee. The payment usually arrives and posts in 1-3 business days.
– If the funds are not available, the payment is canceled.
– Check Payments:
– The funds are not withdrawn from their account until the payee cashes the check.
– Checks usually arrive in 3-7 business days.
Deliver by Date
Select a due date and the system calculates the process date, so the payment arrives on time.
– Electronic: The process date is automatically chosen two days prior to the due date.
– Check: The process date is chosen based on payment history and location of the payee.
Payment Date Calendar
Click on the calendar to choose a payment date. There are two options: Standard delivery or RUSH delivery.
Standard Delivery
Using this method, choose the payment date.
RUSH delivery
RUSH delivery guarantees the payment is delivered within one or two business days.
RUSH delivery only shows when it’s available for the payee (not all payees accept RUSH payments).
These payments are guaranteed to be delivered by the specified date. If payment is not delivered by the specified date, users may be refunded up to $50 in late fees.
Users must agree to the Fee debit authorization to schedule the RUSH payment.
– Check RUSH Payments (draft checks): Fee is debited on the process date and the funds are released from the user’s account when the payee cashes the check.
– Electronic RUSH Payments: Fee and funds for the payment appear as two separate debits on the user’s account on the process date.
Once the information is complete for each payee, click Review or Pay all.
Review
Review the payment information for accuracy. Click Back to edit payment information, Remove to take a payee off the list or Pay all to complete the scheduling process.
Pay all
Once payments are scheduled, confirmation numbers appear.
Recurring Payment
Set payments to be paid automatically on a preferred schedule.
– Weekly
– Every other week
– Every four weeks
– Monthly
– Every other month
– Twice monthly
– Every three months
– Every six months
– Annually
Scheduled Payment
These are payments in a scheduled status, awaiting the process date. Choose View Details, Edit, Stop or Approval all.
Payment History
These payments have been processed and paid.
History is maintained for 18 months.
Enter search criteria, then click View results.
Click Details to see additional information, including the user the payment. Click Timeline to see transaction details, including invoices and comments.
Tax Payments
This provides a direct link to the EFTPS site and takes the subscriber out of the bill pay site.
– It is an optional feature that can be offered to subscribers.
– This can be turned on or off at the subscriber level via MASTER Site.
FAQ
Types of Transfers
There are two types of transfers:
– Outbound Transfers (most common) – Transfers funds from an account at American National Bank to an account at another institution.
– Inbound Transfers (must be purchased separately) – Transfers funds from an outside institution an account at American National Bank.Add Transfer Accounts
Add multiple transfer accounts that match the needs of your business.
View Transfer Accounts
Each transfer account is labeled with an icon and description (whether or not funds can be transferred to or from the account).
Schedule Transfer
Choose a single or recurring, select a transfer from account, a transfer to account, then the amount and date.
One-time
Recurring
Calendar
Snapshot
View a snapshot of bill payment activity for an entire month by using the Calendar tab. See the activity of previous months or look ahead to upcoming months.
Options
Company Profile
Users can update their company profile and turn dual control or off.
– Dual control is a security feature that requires two users to approve scheduled or edited transactions.
– When on, one additional user must have approval authority permission. This allows users approve transactions that are scheduled or edited.
– Transaction approval emails are sent at 2 a.m., 6 a.m., 10 a.m., 2 p.m., 6 p.m., and 10
p.m. ET until the transaction is approved.
-These emails are generated only when transactions are pending approval.Manage Bill Pay Accounts
Users can request to add existing accounts.
Bill Pay Accounts
View a list of pending and approved pay-from accounts.
Choose to:
– Edit the account’s nickname or the default pay-from account.
– Delete the pay-from account
Add New Account
Once added account information is complete, click Submit. The account is placed in a pending status. American National Bank will then approve or deny new pay-from accounts.
NOTE: If a user is restricted to which pay-from accounts they can use, any new pay-from accounts must be assigned under Permission Settings in the Manage Users section.e-Notifications
e-Notifications allow users to monitor activity and assist with detecting potential Bill Pay fraud. Notifications can be sent by email, text message, or both.
Event
A notification is sent when a user customizes (selecting On or Off) a specific activity.
NOTE: Event notifications for a recurring transaction process or a single transaction process are sent to all users with permissions for Schedule Bill Payments, Schedule Email Payments and/or Schedule Transfers.
Logout
These are sent each time the subscriber logs out of bill pay. Added payees is a default notification and cannot be turned off.
NOTE: The notifications for a transaction needs approval, Payee information has been updated/added and Added transfer accounts cannot be turned off.
Recurring
These are sent based on a chosen schedule.
Reminders
Receive reminders to pay a bill with the option to add the reminder to a Microsoft® Outlook® calendar.
Manage Users
Add as many admin users as needed to assist with managing Bill Pay.
Edit Users
Click Edit to update the user’s name and email address. Password and User ID cannot be updated in Edit user
Users with permission can unlock other users by switching the toggle for Unlock User, then clicking Save changes.
To edit a user’s access, click Permissions. Click the tabs to view and edit detailed permissions.
NOTE: If Designate Pay-from Accounts is turned on for a user any new pay-from accounts must be manually assigned by selecting the checkbox.
Add New User
1. Click on the Administration tab within ANB Go Business.
2. If you have the Manage User Roles tile, click on Manage User Roles. If not, click on Manage Users.
3. If you clicked Manage User Roles, follow the steps below. If not, proceed to the next step.
a. Locate the User role you would like to grant Positive Pay permissions to.
b. Click the
icon.
c. Click on the Features tab.
d. Within the Search box, type Bill Pay.
e. Toggle on
based on the below:
– If the user role is a user toggle on the Enable Business Bill Pay User SSO feature.
– If the user role is an admin toggle on the Enable Business Bill Pay User SSO and Enabled Business Bill Pay Admin SSO features.
f. Click Save.
4. If you clicked Manage Users, follow the steps below. If not, proceed to the next step.
a. Locate the user you would like to grant Positive Pay permissions to.
b. Click the
icon.
c. Click Assign Rights.
d. Click on the Features tab.
e. Within the Search box, type Bill Pay.
f. Toggle on based on the below:
– If the user role is a user toggle on the Enable Business Bill Pay User SSO feature.
– If the user role is an admin toggle on the Enable Business Bill Pay User SSO and Enabled Business Bill Pay Admin SSO features.
g. Click Save.
5. Follow the steps below to add the user directly into the Bill Pay application.
6. Within ANB Go Business, click on the Other Services tab.
7. Click the Business Bill Pay tile.
8. Click on the Options tab and then Manage Users.
9. Click Add User.
10. Complete the information below. Bolded fields are required.
a. First Name
b. Middle Name
c. Last Name
d. User ID: Login ID from ANB Go Business
NOTE: User ID’s must match. If not, the system may not allow the user to access the system.
e. Mobile Phone
f. Comments: Any important information about the user
11. Click Next.
12. Select a user type. The permissions for that type of user will display.
13. Lastly, click Submit.
NOTE: Approval Authority is the permission setting for those who are able to approve transactions.Reports
Reports assist with managing details of the Bill Pay account. These can be converted to Excel. Reports include:
– Payments Processed
– Payment Changes
– Payments Stopped
– Payees Added
