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Altabank offers hassle-free payment options, whether you’re sending large payments electronically or tracking spending on employee credit or debit cards. You’ll always have access to real-time status reports through Business Online Banking, eliminating time-consuming manual data entry and oversight.

ACH Transactions

ACH transactions allow you to streamline vendor, payroll and tax payments by sending electronic payments from your bank account to financial institutions anywhere in the U.S. No more writing out checks or having them get lost in the mail. With ACH disbursements from Altabank, you can schedule and manage outbound payments. Time-consuming manual data entry is virtually eliminated through batch processing for payroll or other recurring transactions. Set up viewing permissions, user tokens, blocks and filters to safeguard against fraudulent payments and maintain control over all credits so you’ll always know your money is being properly handled. ACH transactions are cost-effective and timesaving, leaving you more time to manage what matters most.


If your business sends large domestic payments, is involved in international trade or has other reasons for sending electronic wire transfers, Altabank can simplify the process at a low cost. We offer wire services for a small monthly fee with any BizSmart™ account. Wire transfers guarantee the fast and secure movement of your money, whether in the U.S. or internationally, with the real-time transfer of funds and status reports available through our business online banking portal immediately. Plan ahead by scheduling one-time or recurring wire payments through your business online banking account, then rest assured that we will get your money there in time.

Visa® Business Rewards Credit Card

Turn business costs into reward points with a Visa® Business Rewards credit card from Altabank. Earn one point for every dollar spent, then redeem points for cash back, gift cards, merchandise, travel and more via the uChoose Rewards® program.* There is no annual fee and you get other freebies like auto rental, roadside service, travel accident insurance and purchase security benefits. This credit card makes it easy to manage business expenses and employee spending, including the option to set spending limits and geographical boundaries for your card. Our Card Valet® app also allows you to enroll in cardholder spending alerts and temporarily freeze your card for added security. Total control, total security and totally great rewards make the Visa® Business Rewards credit card a smart choice for your business.

Interest Rates & Interest Charges Business Rewards (1-to-1 Rewards)
Interest Rate for Purchases and Balance Transfers 17% This rate will vary with the market based on the Prime Rate. We add 12.00% to the Prime Rate to determine the Purchase and Balance Transfer interest rates.
Interest Rate for Cash Advances 20% This rate will vary with the market based on the Prime Rate. We add 15.00% to the Prime Rate to determine the Cash Advance rate.
Penalty Interest Rate and When it Applies N/A
Paying Interest There is no grace period on balance transfers or cash advances. Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Visa® Business Debit Card

If you’re looking for the convenience of a credit card but don’t want to rack up a monthly bill, consider our Visa® Business Debit Card. Funds are taken directly from your BizSmart™ checking account so you always have an accurate picture of your real-time spending, viewable anytime via business online banking. When multiple cards are in use, you have the ability to prevent employee fraud by setting up limits on daily use, ATM access and spending.

Business Bill Pay

Altabank’s Business Bill Pay is a convenient online tool your business can use to issue payments from your BizSmart™ checking account system to approved payees. Schedule one-time or recurring payments with the ability to rush payment in case the unexpected occurs.

Bill Pay Help Aids:

Bill Pay Video

*Subject to credit approval

†Fees apply

Visa® and VISA (stylized) are registered trademarks of Visa.

Card Valet and uChoose Rewards are registered trademarks of Fiserv, Inc.