Online Cash Management

Streamline your workflow, enhance your security, and maximize your cash flow with Ames Community Bank’s online Cash Management. Cash Management is an enhanced form of internet banking that allows businesses to pay bills, transfer funds, process ACH transactions, and send domestic wires. In addition, Cash Management allows leadership or administrative staff to administer the rights of other users within their organization.

Our clients are successful with Online Cash Management because:

  • They have a strategic plan focused on improving operational efficiencies.
  • They have the ability to utilize as many or as few features as necessary depending on the need.
  • They can capitalize on the needs of both employees and customers by offering convenient, cost-effective solutions to payment processing.
  • Personal service from a staff that assists in establishing and maintaining a high level of employee and customer satisfaction.

    • **Please note that as part of our service commitment, an experienced bank officer will come to your location to train staff members who may be utilizing our online cash management system. If you experience staff turnover, we can accommodate your training needs by either training at your location or provide support manuals to your staff.

    ACH Services


  • Direct Deposit—Pay your employees electronically by uploading an ACH file to our online cash management site and scheduling an outgoing ACH transaction.
  • Direct Payment—Securely send electronic payments to vendors. One time or recurring transactions can be scheduled.
  • Direct Debit—Efficiently collect one time or recurring payment from customers. With a pre-established authorization, customers or clients can provide your business with a routing and account number to debit their account electronically.

    • Online Reporting


  • Download history which can be imported into accounting software such as MS Money, Quicken, and Quickbooks.
  • View real-time balances as wire transfers, ACH and other electronic transactions post throughout the day.
  • Search your account history by amount, check number and date.
  • Transfer funds between your Ames Community Bank accounts.
  • View and print copies of cleared checks and deposit slips (front and back).

    • Wire Services


  • Schedule and initiate one time or recurring wire transfers via online form.
  • Receive email notifications for incoming wires.
  • Reduced wire fees for outgoing wires.

    • Security

    • Multi-step log on (user ID/password and security token)
      • A security token or key fob is a small hardware device with built in authentication mechanisms.
      • Each token is registered to a single user so that access to the online system cannot be granted without a unique number that changes every 60 seconds.
    • Encrypted data for secure transmission
    • Access rights and privileges can be established for each user
    • Automatic log-off after pre-established time limit