Business Online Banking Services

ACH Web

Automatic Clearing House (ACH) Web is an electronic payment system that allows Plumas Bank business customers to electronically debit and credit checking and savings accounts. It is convenient, cost-efficient and time-saving. You can rest assured that ACH Web is safe and secure. Plumas Bank employs state-of-the-art technology to keep your information secure. All sensitive information is encrypted. We provide you with simple, user-friendly, powerful, and secure ACH tools that make banking easier for your business.

Benefits of Direct Deposit:

• Reduced costs – Fewer checks to buy, lower account charges, lower costs for check distribution
• Increased efficiency – Eliminates time to print and sign checks; easier and quicker check disbursement; eliminates lost/stolen paycheck problems; reduces the need for storage space for cancelled checks
• Increased employee benefits – No need to make a trip to cash or deposit checks; increased confidentiality of payroll; eliminates payroll problems for sick, traveling, or vacationing employees

Benefits of Direct Payment:

• Reduced costs for billing (invoice printing, return envelopes, postage, etc.)
• Improved cash flow – Immediate access to the funds on the date due; credit account is known in advance
• Increased efficiency – Eliminates time to create invoices; fewer incoming checks to process
• Improved delinquency ratio – Receive more payments on time

It’s easy to pay other customers of Plumas Bank that have online banking using our no-cost person to person transfer service! You can transfer money from your personal accounts to the personal checking, savings or Money Market account(s) of another Plumas Bank customer. You can make a one-time transfer or recurring transfers; these are limited to credit only. Transfers require preliminary verification of the receiving Account Holder's email address and the last 4 digits of their Plumas Bank account number.

To enroll in Person to Person Transfers:

1. Login to Plumas Bank online banking

2. Click the Move Money tab from the menu

3. Click on Person to Person Transfer

4. Choose Single Transfer or Link Account

Business Bill Pay

Business Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check. Handling all your business payments online means more time spent on revenue-producing tasks.

To apply for Business Bill Pay complete the first three steps of the online enrollment form and then follow the fourth step's instructions to continue with the enrollment process. Bring the forms to your local branch and within two weeks you will receive your welcome kit with all the information you need to begin Business Bill Pay.

Business Bill Pay features:

• Administrate three levels of authorized users with dual control features.
• Pay any person or company in the U.S. except court-ordered payments and state and federal tax payments.
• Receive and pay e-Bills online.
• Schedule repeating payments.
• Electronically link invoice and credit memo information with your payments.
• Export your payment information by creating Quicken®, QuickBooks®, or Microsoft® Money import files.

Security: Data is transmitted securely via SSL (secure sockets layer) encryption, which ensures that your connections and information are secure from outside inspection. The 128-bit encryption makes your information unreadable as it passes over the Internet. In addition, you are automatically signed out of a session if you are inactive longer than ten minutes.

System requirements: 128-bit encryption standard.

Are you tired of making that daily dash to the bank to deposit your checks? With Remote Deposit, you can scan and submit your checks electronically from the convenience of your place of business or home. No more wondering whether traffic or bad weather will delay timely posting of deposits. No more waiting in line. No more playing beat the clock.

Depositing your checks remotely is largely made possible by “Check 21” legislation. Check 21 gives us the opportunity to replace labor-intensive, paper-based check processes with quicker, safer, image-based handling and clearing services. The result is faster deposits, more efficient collections, and a tremendous convenience for you and your business.

How It Works

• Scan your customers’ check in the comfort of your office.
• Balance your deposit to ensure accuracy.
• Submit your deposits electronically. It’s simple and secure.
• You’re Done! Your deposits are promptly credited to your account.

Features and Benefits

• Convenience
  • No more daily trips to the branch. Deposit check right from your desktop.

• Simplicity
  • Remote Deposit operates on your Windows-based PC with a USB cable and a scanner. Scanner provided by Plumas Bank.

• Saves Time & Money
  • Save time and expense when deposit preparation time and bank runs are eliminated. Remote Deposit also improves efficiencies with check image storage/retrieval and historical deposit activity reporting.

• Better Use of Funds
  • The ability to deposit checks more quickly may translate into improved account balances and better availability of your funds.

• Consolidation
  • Checks received through any remote or branch office/store locations can be deposited through one banking institution/account, simplifying bank reconciliation processes.

• Easy Updating
  • Upload and import files to your current commercial accounts receivable system.

Remote Deposit FAQ

• Can I Make Deposits From Outside The Local Area?
  • Absolutely! This is one of the best features of the Remote Deposit system. Items can be scanned and deposited electronically from anywhere, even another state altogether.

• How Much Will It Cost?
  • Business Checking Account Analysis is required. All fees may be offset by credits earned through Account Analysis. Most businesses pay little or no fees based on the average deposit balances they keep in their accounts. The resulting savings stays where it belongs… in your pocket!

• How Will My Deposit Be Transmitted To The Bank?
  • Using a high-speed internet connection (such as DSL for example), and Internet Explorer 6.0 or higher.

• How Late Can I Make a Deposit?
  • Same day credit cut off items: Monday-Thursday 5pm and Friday 6pm

• How Do I Sign Up For Remote Deposit?
  • Visit your local Plumas Bank office or call 1.888.3PLUMAS (375.8627) for details.