Digital Banking

Digital Banking at American Community Bank & Trust

Digital banking provides access to eligible American Community Bank & Trust accounts through a computer, smartphone, or tablet. Personal and business clients can use digital banking to review account activity, transfer funds, manage alerts, access statements, and complete other available banking tasks.

Some services, including ACH origination, wire transfers, transaction approvals, and business user controls, are available only for eligible business accounts.

Enroll in Digital Banking

View Digital Banking Technology Requirements

Manage Your Accounts Online

Here are some of the things you can do with our digital banking app:

View current account balances
Set up account alerts
Review transaction history
Transfer funds between eligible accounts
Make eligible loan payments
Access eStatements
Export account information to compatible financial management software

NOTE: Digital banking features vary by account type and the services established for your relationship.

AmCom Bank mobile banking app displayed on a mobile device

Use Digital Banking on a Mobile Device

The AmComBank mobile banking app provides access to available digital banking features from a compatible Apple or Android device. Mobile features may include reviewing balances and transactions, transferring funds, approving eligible business transactions, and depositing checks.

The separate Mobile Banking App page includes enrollment information, app download links, mobile deposit instructions, and related information.

View the Mobile Banking App

Personal and Business Digital Banking

Many digital banking features are available to both personal and business clients. Access to specific accounts, functions, and services depends on the account type, enrollment status, user permissions, and services established for the relationship.

Personal Digital Banking

Personal digital banking provides access to eligible personal checking, savings, and loan accounts. Available features may include reviewing account activity, transferring funds between eligible accounts, making eligible loan payments, managing alerts, accessing eStatements, and depositing eligible checks through the mobile banking app.

Business Digital Banking

Business digital banking includes account-management features along with additional tools for eligible business accounts. Access is based on the services established for the business and the permissions assigned to each authorized user.

Business services may include ACH origination, wire transfers, mobile transaction approvals, user permissions, transaction limits, and other treasury management tools.

Contact Treasury Management

Digital Banking Services and Features

Select a topic below for more information. Available services and features may vary based on account type, enrollment, eligibility, and user permissions.

Account Alerts and Notifications

Available alerts can help you monitor account and transaction activity. Set up alerts based on your preferences and review them periodically to confirm that they still meet your needs.

Business clients may also receive notifications related to services such as Positive Pay exceptions and transaction approvals, depending on the services established for the business.

eStatements

Eligible accounts can access electronic statements through digital banking. eStatements are available on the business day after the statement date.

The latest version of Adobe Reader is recommended for viewing electronic statements. Review the Digital Banking Technology Requirements for current software and browser requirements.

Transfers Between Accounts

Digital banking allows clients to review eligible accounts and transfer funds between eligible accounts.

Available transfer options depend on the accounts, services, and permissions associated with the digital banking relationship. Review transfer details carefully before submitting a transaction.

Mobile Banking and Mobile Deposit

The AmCom Bank mobile banking app provides access to available digital banking features from a compatible Apple or Android device. Available features may include reviewing account balances and transactions, transferring funds, approving eligible business transactions, and depositing eligible checks.

To make a mobile deposit, endorse the check and write “For Mobile Deposit Only” under the endorsement. Open the app, select “Deposit Check,” follow the prompts to photograph the front and back of the check, select the receiving account, and complete the deposit.

A mobile device with a rear-facing camera of at least 5 megapixels is required for mobile deposit capture.

For app download links and additional instructions, visit the Mobile Banking App page.

ACH Services for Businesses

Eligible business clients may use ACH services through digital banking to send or collect electronic payments. Common uses include payroll, vendor payments, rent or mortgage payments, direct deposits, and incoming client payments.

Available ACH features may include initiating and approving transactions through digital banking or a mobile device, assigning user authorization levels, and establishing controls for originating and approving transactions.

ACH services must be established for the business. Contact Treasury Management to discuss available services and appropriate controls.

Wire Transfers for Businesses

Eligible business clients may initiate and approve domestic, international, and foreign exchange wire transfers through digital banking without visiting a bank location.

Available wire features may include initiating transfers online, approving eligible transfers from a mobile device, assigning user authorization levels, and establishing controls for originating and approving transactions.

Wire transfer services must be established for the business. Contact Treasury Management to discuss access, permissions, and available controls.

Business Users, Permissions, and Approvals

Business digital banking can provide different access and authorization levels based on each user’s responsibilities.

Depending on the services established for the business, available controls may include individual login credentials, access to selected accounts, permission to initiate transactions, permission to approve transactions, and transaction controls.

Businesses should review user access regularly and remove or update access when responsibilities change or access is no longer needed. Login credentials and authentication codes should not be shared between users.

Account Security and Fraud Protection

Digital banking uses multiple security controls to help protect account access and financial information. Multi-factor authentication is required for each login.

Clients can help protect their accounts by using unique login credentials, keeping contact information current, reviewing account activity, using available alerts, and protecting authentication codes. Never provide a login password or authentication code in response to an unexpected email, text message, or phone call.

Business clients should establish user access and transaction authority based on each person’s responsibilities. Positive Pay and other Treasury Management services may provide additional controls for eligible business accounts.

If you notice suspicious activity or believe account information has been compromised, contact American Community Bank & Trust promptly using a verified phone number.

Visit our Online Banking Security and Fraud Management Best Practices pages for additional information.

Technology Requirements

Digital banking requires a supported computer or mobile operating system, compatible browser, and internet connection.

The current technology requirements identify Google Chrome as the recommended browser for Windows and macOS. Supported browsers include Mozilla Firefox for Windows and macOS, Microsoft Edge for Windows, and Apple Safari for macOS.

Mobile banking requirements include Android 11.x or later, iOS 16.x or later, or watchOS 9.x or later. Limited support may be available for older operating systems.

Requirements may change as operating systems, browsers, devices, and digital banking services are updated.

View Digital Banking Technology Requirements

Enrollment and First-Time Access

Eligible clients who are new to ACBT digital banking can begin enrollment through the bank’s digital banking enrollment page.

Personal, business, and commercial banking clients use the same digital banking login page and app. Personal and commercial accounts require separate login IDs.

After enrolling through the website, download the AmCom Bank mobile banking app and use the applicable digital banking login credentials.

If you forget your password, use the “Forgot Password” option on the digital banking login page. For help with a login ID, password, enrollment, or access, call American Community Bank & Trust at (815) 338-2300.

Enroll in Digital Banking

Enrollment and Help

Eligible clients can use the enrollment link below to begin enrolling in digital banking. Business clients who need ACH, wire transfer, user-administration, or other treasury management services should contact their banker or the Treasury Management team.

Enroll in Digital Banking

Contact American Community Bank & Trust if you need help with enrollment, access, account permissions, or available digital banking services.