What is Bill Pay for Business?

Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

How does Bill Pay work?

There are two basic steps involved in using Bill Pay to make online payments:

  1. Set up your payees.
  2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.

Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.

How secure is the information I give to you?

Bill Pay uses several methods to ensure that your information is secure.

If I haven't signed up for Bill Pay, how do I?

To sign up for Bill Pay, contact an American National Bank of Minnesota Customer Service Representative for assistance.

How am I billed for bill payment service?

Please contact us for help with this.

How do I cancel bill payment service?

The Level 1 User is the only user who can cancel the service by contacting an American National Bank of Minnesota Customer Service Representative. Before you cancel your service, keep in mind the following:

How do I change business information?

It's important to keep your business information (which includes business contact information) up to date so that we can contact you if necessary. To make any changes, contact an American National Bank of Minnesota Customer Service Representative for assistance.

How do I change authorized user information?

Since authorized users can access Bill Pay and contact customer service on your behalf, their information should be up to date. Please contact an American National Bank of Minnesota Customer Service Representative to review authorized user information whenever you have a staff change (new hire, termination or change in job responsibilities) of any individuals that had or will need to have access to our Bill Payment services. Our Customer Service Representatives will be able to help you with any needed changes.

What features are available at each User Level?

Payment Center and Bill History Level 1* Level 2 Level 3
Approve a payment Yes Yes, for Level 3 No
Change or cancel an approved (pending) payment Yes Yes No
Change or cancel an unapproved payment Yes Yes Yes
Financial software export Yes Yes Yes
Schedule a single payment in approved (pending) status Yes Yes No
Schedule a single payment in unapproved status No No Yes
Set the preferred account Yes Yes Yes
Manage Bills and Add a Bill      
Add a biller Yes Yes Yes
Add, change, or cancel an automatic payment (recurring payment or Automatic e-bill payment) Yes Yes No
Add, update, or delete bill reminders Yes Yes Yes
Cancel e-bill service Yes Yes Yes, unless Automatic payment is active
Change or delete a biller Yes Yes Yes, unless there are pending payments
File a bill and update filed details Yes Yes Yes
Request e-bill service activation Yes Yes Yes
View bill detail and bill history Yes Yes Yes

* Only one person allowed at this User Level.

Can I have more than one checking account attached to my Bill Payment relationship?

Yes. Contact an American National Bank of Minnesota Customer Service Representative to add additional checking accounts to your Bill Payment relationship.

What if I have a question about one of the features?

Bill Pay can assist you in using its features as follows:

What if I made a mistake when I entered my payment account information?

If you made a mistake when typing an account number, routing transit number, or account type, you should add the payment account again using the correct information. Then delete the account with the incorrect information.