Business Online Banking
We understand you want banking technology that will be easy to use, convenient, and secure. We also understand you don’t want technology to replace service – that sometimes a voice on the phone is as important as an app on the phone. That’s why we make sure we offer you both, a wide variety of online tools and exceptional customer support.
Our Online Banking access for businesses allows you, as an administrator, to assign sub-users customized access to Online Banking to fit the accounting needs of your business. The administrator and each sub-user receive their own unique Access ID and Passcode. When you log into business online banking as an administrator, these are the available features:
- Access to Cash Management services such as Wire and ACH Origination, and Positive Pay. (Subject to approval)
- Assign sub-user access
- View account balances, transactions, and cleared checks
- Nickname accounts
- Transfer funds (one-time or recurring) between 1st Capital Bank accounts
- Transfer funds (one-time or recurring) to and from accounts at other financial institutions
- View, print, or download account statements
- Search account history
- Download account history to QuickBooks®, Quicken®, or Excel
- Set up email or text alerts
- Pay Bills
eStatements are a smart, environmentally friendly alternative to paper statement delivery. Your electronic statement is available through Online Banking the day after your statement cycle and looks identical to the paper statements you currently receive in the mail. The easy-to-read PDF file format can be printed or saved to your computer.
Fraud is on the rise, are you protected?
With 1st Capital Bank's Positive Pay service, you can help protect your account with daily, automated monitoring for unauthorized checks attempting to clear your account. This quick detection allows you to return unauthorized checks quickly, and take action to secure your account information from additional fraud.
To use Positive Pay, business customers import an issued check file to the bank through Online Banking any time checks are issued. As checks clear the account, the check information is matched to the information in the issued check file. If no match is found, the check is marked as an exception and an email alert is sent to the customer. The customer can then log into Online Banking to view the exception item and make the decision to pay or return the check in question.