Bank of the West offers a broad array of payment methods and initiation channels to help deliver your payments securely and efficiently. We can customize solutions to support your current and future payment needs.

Comprehensive payables management solutions

Electronic payments. Originate ACH payments and domestic and international wire transfers through various payment channels, including integrated solutions, direct transmission and WebDirect, our online banking system.

Integrated solutions. Multiple payment types including ACH, wire, check and card can be directly initiated from your account system and sent to Bank of the West in a few easy steps. For added flexibility, we accept multiple file formats and send you payment acknowledgement and confirmation details.

Commercial cards. Our Commercial Card payment options help maximize cash flow by increasing payment float and decreasing processing costs.1

ePayables. Increase payment float, reduce reconciliation issues and help mitigate fraud risk with “exact pay” feature. Process pre-approved vendor payments with a virtual account number delivered via encrypted email.

Check printing. Automate your check print process. Send us your payment specifications and remittance information, and we’ll print and mail your checks directly to your payees.

Controlled disbursement. Receive early morning check totals to be debited from your account at end-of-day. Help reduce the risk of check fraud and improve cash forecasting by eliminating idle cash balances. Add Positive Pay and Payee Positive Pay to help protect against check fraud.

Fraud prevention tools

With 73% of organizations reporting that they were the target of payments fraud in 2015,2 it’s increasingly important to validate and upgrade your fraud protection measures.

Check fraud protection
With Positive Pay and Payee Positive Pay, we verify key information against a list of checks previously authorized by your company to help prevent check fraud from altered dollar amounts or payee names. With an Account Reconcilement option, you’ll receive reports of checks issued vs. checks paid to quickly reconcile your accounts.

ACH fraud protection
To prevent fraudulent attacks on your ACH payments, we offer ACH Blocks (blocking all ACH debits and/or credits), ACH Filters (which limit ACH debits and/or credits to only your list of authorized companies) and ACH Positive Pay (where you’ll receive automated notifications via email if an ACH item is identified by an ACH block).

Learn more:

Payment Initiation Channels

WebDirect (ACH, Check, Wire)
Enter individual payments or upload a file to WebDirect, our online banking system.

Direct transmission (ACH)
Create formatted payment information files and securely transmit them to Bank of the West for execution.

Integrated solutions (ACH, Check, Wire, Virtual Card)
Establish a connection between Bank of the West and your treasury management system to transmit various payment types in a single file.

Cash Management
Customer Service

Mon–Fri, 6am–5pm PT
TTY 1-800-487-1443


1Credit subject to approval.

2Association for Financial Professionals (AFP), Payments Fraud & Control Survey, 2016.

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