Electronic Banking Feature Highlights

• Balance Reporting
• Internal Transfers
• Check Management
• Check Imaging Available
• Loan Payments and Reporting
• Information Reporting
• Email Capability
• Up to 3 accounts and 75 transactions included with the monthly fee

Level 2

• Level 1 features, plus:
• ACH Origination
• Wire Transfer Capabilities
• Up to 5 accounts and 150 transactions included with the monthly fee

• Level 1 and 2 features, plus:
• Enhanced Information Reporting
• Complete Cash Management Capabilities
• Positive Pay
• Up to 7 accounts and 250 transactions included with the monthly fee

Functionality

Commercial Online Banking makes it easy for you to perform consolidated balance and transaction reporting on all accounts. A snapshot of accounts is ready on demand for any specified time period as well as online real-time balances.  You can export data to financial software packages for analysis or reconciliation on your desktop.

You can retrieve check images via a simple hyperlink within Balance Reporting and Check Management.  Retrieved check images can be zoomed, rotated, locally saved or printed from within Commercial Online Banking.

Security

The security of your transactions and data is second to none and meets or exceeds industry standards for overall network architecture, connectivity, physical security, redundancy, and disaster recovery capabilities.  The Commercial Online Banking product uses industry standard encryption methods to ensure the integrity of transactions initiated via the Internet.  To access your data, you must be authenticated via application logon User ID Names and Passwords.

Virus scanning is performed continually to ensure a virus-free environment, and all data transmission sessions are encrypted through HTTPS. Your communication with us is through a secure 128-bit SSL-encrypted web channel that uses Verisign® digital certificates and password protection.

Product Benefits

• Online balance inquiry
• Bill presentment and payment (EBPP) available
• Flexible client setup options
• Targeted balance reporting functions
• Secure transaction environment
• Training assistance for your staff
• Online help including step-by-step assistance
• Comprehensive data available
• Simplified challenge/response password management

Standard System Requirements

• Internet Explorer® 6.0 Service Pack 1 or higher with 128-bit encryption
• Monitor resolution settings of at least 1024 x 768 pixels (recommended)
• Minimum Connection Speed 28.8kbs (Dial-Up, DSL, Cable, or LAN)

COMMERCIAL ONLINE BANKING is our popular suite of cash management services that offers the speed and convenience of the Internet. With 24-hour access to your financial information and services, managing your money has never been easier!

• Determine your financial position from a daily statement that integrates all of your accounts
• View a summary or details of your account activity
• Obtain financial information for a specific time period for trend analysis
• Initiate secure financial transactions at the touch of a button
• Export information in comma-separated or BAI2 formats, or to other applications such as Quicken® or QuickBooks®

In addition, valuable tools are available for your use that make managing your business easier.

Perform consolidated balance and transaction reporting on all your accounts with current day, previous day and historical reporting. A snapshot of all your accounts is ready on a daily basis whenever you want it and for the time period you specify. You can also view check presentment information early each business day in order to determine funds available for investments or short-term borrowing needs.

Internal Funds Transfer

Transfer funds between your business accounts without making a phone call or making a trip to the bank.

Check Management

Send stop payment instructions on a single check or range of checks electronically. The system will automatically check the Information Reporting database for the check status. You can also inquire on the status of an issued check to see if it has been paid or request a copy of a paid check.

ACH Origination

With a click of your mouse, you can initiate Automated Clearing House (ACH) transactions such as direct deposit of payroll, insurance premiums, and dues collection. Easily create payments for local, state and federal taxes, and vendor payments with payment information attached by using pre-formatted templates. An Import Transaction capability allows you to reduce data entry by importing information from software packages (e.g. payables and payroll systems) or passing through a NACHA-formatted file. Reporting and inquiry features are available to monitor activity and provide full audit trails.

Wire Transfer

Send wire transfer instructions securely and efficiently. User-friendly templates make it easy to request Fedwire payments. A variety of reporting and inquiry features are available to monitor wire activity. An ABA database lookup feature saves time by allowing you to enter a bank name and watch the system do the rest.

Loan Payment & Reporting

Make loan payments; view a complete loan payment history; or check the status of a loan you have with us, including amount owed, original loan amount, months to maturity, available line of credit, interest rate, principal amount, and interest amount.

Remote Deposit

Deposit checks from your office and eliminate trips to the bank. This service allows you to scan checks and transmit them to the bank for inclusion in the next processing cycle.  Checks can be scanned and transmitted at any time during the day. 

Positive Pay

Identify unauthorized transactions–including counterfeit or altered checks–before final payment. Download images of all exceptions before deciding which items to pay.  View a history of your accepted item decisions by account.  Gain complete, customized control over the check disbursement process.