Business Online Banking Frequently Asked Questions (FAQs)

Account Access

How do I change my password?

You can change your password at any time simply by clicking on the Other Services tab and Change Password under Preferences. Enter the requested information and click Change Password. A valid password is case-sensitive, must be between 8 and 32 characters in length and contain at least one letter and one number. Special characters and spaces are not allowed.

What if I forget my username?

If you have a System Manager, contact them for assistance. If you are unable to reach your System Manager, call us at 855-755-7079. Upon verifying your identity, we will provide you with your username. Keep in mind, your username must be between 6 and 32 characters. Special characters and spaces are not allowed.

What if I forget my password?

If you have a System Manager, contact them for assistance. If you are unable to reach your System Manager, call us at 855-755-7079. Upon verifying your identity, we will provide you with your temporary password. The next time you log in, you will be required to change your password. Keep in mind, your password is case-sensitive, must be between 8 and 32 characters in length and contain at least one letter and one number. Special characters and spaces are not allowed.

I’m locked out of Business Online Banking. Why? How do I get my account unlocked?

There are two ways in which you can become locked out of your account. The most common occurs when three unsuccessful password attempts were made when logging into the system. On the third unsuccessful login attempt, you will be notified that your account is locked.

If you have a System Manager, contact them for assistance. If you are unable to reach your System Manager, call us at 855-755-7079. Upon verifying your identity, we will provide you with your temporary password. The next time you log in, you will be required to change your password. Keep in mind, your password is case-sensitive, must be between 8 and 32 characters in length and contain at least one letter and one number. Special characters and spaces are not allowed.

The second way that you may become locked out of your account occurs when the incorrect answer has been given for one of your challenge questions. When this happens, call us at 855-755-7079. Upon verifying your identity, we will update your challenge questions appropriately so that you can access your account.

How long can I stay in Business Online Banking before the system logs me out?

As a security measure, the system is set to automatically log you out of your session if it has been inactive for 15 minutes. Once the system becomes inactive, a screen appears stating the session has expired due to inactivity.

How can I label each of my accounts for easy identification?

You can change your account nicknames at any time simply by clicking on the Other Services tab and Manage Account Nicknames under Account Services. In the Account Nickname column, delete the current Account Nickname and type the new Account Nickname. Nickname changes are unique for each user.

If I have both business and personal accounts, can I view them together?

Yes, you can. Call us at 701-298-1565, and we will provide you with the necessary paperwork to complete this request.

Why is the font on my screen so small and overlapping?

In most cases, this is a browser compatibility issue. If you are using Internet Explorer 8 through 11, you will need to open an Internet Explorer browser and click Tools (or ALT + T). From the drop-down menu, select Compatibility View.

Why do I have to answer my challenge questions each time I log in?

In most cases, you are using an unsupported browser.

What internet browsers are supported?

The supported browsers are as follows:

  • Internet Explorer 7
  • Internet Explorer 8 through 11 in compatibility mode
  • Safari
  • Firefox
  • Chrome

Transaction Reporting

How much transaction history is maintained?

Transaction history is maintained for a rolling six months.

How much transaction history can I view at one time?

You are able to search transaction history for a 93-day date range.

Can I set up online alerts or notifications?

Yes, online alerts can be set up to notify you of balances, new messages, incoming wires, ACH returns and approvals. For example, you can set up an alert that notifies you via email that your account balance has dropped below a particular amount. To set up these alerts, click on the Alerts tab. If this is the first alert you are establishing, you must set up the contact you wish the alert to be sent to. This can be done under Manage Contacts. Once contacts are set up, you can go to Add Alert, select the type of alert and complete the required fields.

Can I set up mobile alerts?

Currently this functionality is not available for Business Banking.

Can I view my account statement online?

Yes. An electronic version of your statements, including check images, is provided through Business Online Banking.

To view statements, click on the Reporting tab, Statements and select an Account. In addition to viewing statements, you can save them and then print them at your convenience.

Since I can view my account statements online, can I stop receiving statements in the mail?

Yes. To opt in to paperless statements, simply click on the Other Services tab and Manage Statement Preferences under Account Services. In the Paperless Statement column, place a check mark in each box that corresponds to the accounts you no longer want to receive paper statements.

What is the difference between ledger, available and collected balances?

Ledger Balance is the current day’s beginning balance, which is the end-of-day balance from the previous day plus or minus today’s real-time posted transfers. This balance does not take into consideration today’s memo-posted transactions such as incoming ACH and debit card transactions.

Available Balance is the amount of funds available to the customer to withdraw or transfer to other accounts. Funds are available from check deposits on the first business day after the date of the deposit, but may not be collected due to the bank’s collection process.

Collected Balance is the ledger balance less the amount of check deposits that the bank is in the process of collecting on the customer’s behalf. This balance should be used when making account transfers, originating wire funds transfers and/or submitting ACH files, to avoid incurring an uncollected funds fee. Banks assess an uncollected funds fee on negative collected balances when funds are drawn on before they are collected.

Transfers

What is the cut-off time for transferring funds?

The cut-off time for transfers for the current business day’s activity is before 11 p.m. CT. Transfers submitted after 11 p.m. CT on a business day, weekend or holiday will post to your account the next business day.

What time do scheduled transfers occur?

Scheduled transfers post at 9 a.m. CT each day.

Quick Tools

What are quick tools used for?

The Quick Tools function allows you to easily transfer funds between accounts or initiate an ACH, Bill Pay or Wire from the home page. This function is designed for repetitive transactions that your business might have.

Quicken/QuickBooks

Can I export my account information to my financial management software?

Yes. You can export account information to Quicken®, QuickBooks® or into a spreadsheet program such as Microsoft® Excel. To export transactions, click the Reporting tab and click the Download Accounts submenu. Select the account(s), appropriate dates, file type and delimiter (if applicable) for which you would like to download transactions. One-step update is also available with Quicken®.

 

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