Commercial Frequently Asked Questions



Commercial Online Banking FAQs

Q: What is Commercial Online Banking?
A: Commercial Online Banking is our Online Cash Management product that allows business clients 24-hour, real-time access to their accounts. Businesses can view account information, move funds, check transactions, plus initiate stop payments, wire transfers, and ACH transfers.

Q: What happened to eCorp Online Banking?
A: Our eCorp Online Banking has been relabeled Commercial Online Banking.

Q: Who can access Commercial Online Banking?
A: This service is available to any bank customer with a business account. Businesses can also grant full or limited use of Commercial Online Banking to employees.

Q: How do I sign up for Commercial Online Banking?
A: Contact the Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.

Q: How do I get an access ID and password for Commercial Online Banking?
A: Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.

Q: What does "real-time" account information mean?
A: Unlike other financial institutions that update information one or two times a day, Commercial Online Banking is "real time." This means account balances and transactions are updated as soon as items are processed by the bank, delivering the most current information available.

Q: How long is the transactional information available with Commercial Online Banking?
A: You can access transactional information for your current statement cycle and previous statement cycle. You have up to 25 days after the last day of your previous statement to view and/or export the information.

Q: Can I download my business account history into financial management software?
A: Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into selected software applications such as Microsoft® Excel, Money, and other commonly used software. Note that not all file formats are supported. Some functions may also support the importation of data created in an accounting program to your Commercial Online Banking applications.

Q: Can I transfer funds from/to other financial institutions?
A: Yes, depending on your level of service, you can initiate a wire transfer, or originate an ACH funds transfer.

Q: Can I transfer funds between my personal and business accounts?
A: For sole proprietors and owners, transfers can be made between personal and business accounts. This feature is not available for government, public entity, or nonprofit accounts.

Q: Can I approve the transfer of funds initiated by employees?
A: Yes. With Commercial Online Banking you can define access levels and set transfer limits for each employee.

Q: What should I do with the confirmation number I receive after initiating a transaction such as a transfer?
A: You may either print the screen or simply make a note of the confirmation number for future reference.

Commercial Bill Pay FAQs

Q: What is Bill Pay for Business?
A: Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

  • Pay any person or company in the United States, from your leasing company to your office suppliers.
  • Schedule repeating payments, such as lease payments.
  • Schedule single payments up to one year in advance. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

Q: How does Bill Pay work?
A: There are two basic steps involved in using Bill Pay to make online payments:

  1. Set up your payees.
  2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.

Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.

Q: How secure is the information I give to you?
A: Bill Pay uses several methods to ensure that your information is secure.

  • Business User ID and Password: Your business user ID and password are unique identifiers that only you know. As long as you don't share your business user ID and password with anyone, no one can sign in to Bill Pay as you.
  • SSL: Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
  • Encryption: Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out: In addition, Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually 10 minutes). It is best if you sign out immediately after you are finished.

Q: If I haven't signed up for Bill Pay, how do I?
A: To sign up for Bill Pay, eCorp clients must contact the bank.

Q: How am I billed for bill payment service?
A: Please contact us for help with this.

Q: How do I cancel bill payment service?
A: The Level 1 User is the only user who can cancel the service. On the Profile - Service Setup page, click Cancel Your Service at the bottom of the page. Before you cancel your service, keep in mind the following:

  • Scheduled payments, including repeating payments, are not paid.
  • Processing payments are paid.
  • You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
  • Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using Bill Pay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
  • If you decide to use Bill Pay again, you will have to re-enroll and set up your payee list.

Q: How do I change business information?
A: It's important to keep your business information (which includes business contact information) up to date so that we can contact you if necessary. To make any changes, go to the Profile - Business Information page and click Change.

Q: How do I change authorized user information?
A: Since authorized users can access Bill Pay and contact customer service on your behalf, their information should be up to date. You can review authorized user information on the Profile - Authorized User Information page. To make any changes, go to the Profile - Authorized User Information page and click View/Change.

Q: What if I made a mistake when I entered my payment account information?
A: If you made a mistake when typing an account number, routing transit number, or account type, you should add the payment account again using the correct information. Then delete the account with the incorrect information.



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