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Business Online Banking FAQ
Business Online Banking is a fully integrated server-based desktop program providing real-time online access to account information through the Internet. Detailed information is available on all transactions, including current day, on a real-time basis.
Business Online Banking is available in two platforms:
Advantage - Full access to all Business Online Banking features for just $2.95 a month per business checking account.
Basic - Limited access to Business Online Banking features available at no charge.
Q What is the difference between Advantage and Basic?
A Advantage offers all of the functions available on Basic, but for a small fee of $2.95 a month you will have access to additional real-time reports, alert options, additional filters and Quicken/Quick Books direct connect. Please click on the link below to view an Advantage and Basic Comparison Chart. (Note: Clients that originate ACH, Wires and Positive Pay via Business Online Banking are required to be in Advantage-Business Online Banking.)
Q Does the $2.95/mo fee apply to personal checking and savings accounts linked through Advantage-Business Online Banking?
A No. The fee only applies to Business Direct Deposit Accounts that are enrolled in Advantage-Business Online Banking. You must have an active business account to utilize Business Online Banking.
Q Can I test Advantage-Business Online Banking for free? How long does the free trial last?
A Yes. A 60-day free trial period is available to all Business Online Banking companies. One trial is available per company, not per account or per user. If you wish to opt out of the Advantage platform after your 60-day trial, please contact Treasury Management at 866-534-2341 or firstname.lastname@example.org to gain access to the Basic platform.
Q How do I opt out of Business Online Banking Advantage?
A There are three ways to do so:
- Send an email to email@example.com
- Call 1-866-534-2341 and speak to one of our Treasury Management specialists
- Visit one of our banking centers
Q What do I need to do if I want Bill Pay access?
A A signed Business Bill Pay Application is required to grant Bill Pay access. Click here to access the application.
Q How do I register for Business Online Banking?
A Visit any Republic Bank banking center or call Treasury Management at 866-534-2341 and we will email you the form to be completed and signed by an authorized account signer.
Q How do I add an authorized user or a new account to my current Business Online Banking setup?
A Visit any Republic Bank banking center and complete a Business Online Banking maintenance request form. You can also call Treasury Management at 866-534-2341 and we will email you the maintenance request form to be completed and signed by an authorized account signer.
Q After I have applied for Business Online Banking, how long will it take for me to be able to sign in?
A It will take approximately 1-2 business days before you will be able to log in. We will notify you by email once we have processed your application.
Q Can I share my login credentials?
A No. The User ID & Password are for individual use only and must not be shared. It is the signer’s responsibility to communicate, in writing, any changes or deletions of authorized online users.
Q How often do I have to change my password and what are the password requirements for Business Online Banking?
A You will be forced to change your password every 90 days. This is a system setting and cannot be changed. The password you choose must be between 8-12 characters and needs to be alphanumeric (i.e. password2).
Q Some aspects of the website are not functioning properly. What should I do?
A Our website is only compatible with certain browsers and browser settings. If you are not using a browser that we support, some parts of the website will not work properly. Please click on the link below to view supported browsers and recommended settings.
Q How frequently is my Business Online Banking information updated?
A Transactions are displayed within Business Online Banking in real-time, which means that most transactions are reflected immediately on your account. Teller, ATM, and CheckCard point-of-sale transactions are visible on your account as soon as they are received by the bank. You will have real-time access to your account information from the Home Tab/Dashboard.
Q I've forgotten my password (or I've been locked out of the system). What do I do?
A Click on the ‘Forgot Password’ button on our login page to have your password reset. If you are locked out, you will need to call Treasury Management at 866-534-2341 between 8-5 ET (Monday-Friday) or the Contact Center at 888-584-3644 during the business hours of 7:30 – 8 ET (Monday-Friday), 9-5 ET (Saturday) and Noon-4 ET (Sunday). You can also have your password reset or unlocked by bringing a valid government photo ID into any banking center during business hours.
Q I am unable to print my Online Statements. What should I do?
A Confirm you are using a supported browser and install Adobe Reader. If you are using a supported browser and have Adobe Reader and your Online Statements still will not open, this could be due to specific requirements on browser settings. Please feel free to call Treasury Management at 866-534-2341 or 502-588-8374 during business hours so we can assist you.
Q What is the difference between Ledger, Current & Available balance?
A The Ledger balance is your ending balance as of the previous business day. The Current balance is the amount available for cash withdrawal, and the Available balance is the ‘real-time’ balance reflecting all memo posted items.
Q Can I export my account activity into Quicken or QuickBooks?
A Yes. You can export your account activity from the Home tab or the Reporting tab into your accounting software if you are using a supported browser and your software is less than five years old. For detailed instructions on how to export your account activity, please call Treasury Management at 866-534-2341 or e-mail us at firstname.lastname@example.org, and we will send you the instructions.
Q If I make a transfer on my Business Online Banking, is it in real-time?
A Transfers must be completed before 7:30pm ET to process same day. If you enter a transfer after 7:30pm, it will post the next business day. Please always check the status of your transfer on the Transfer History screen.
Q Can I place a stop payment on my Business Online Banking?
A Yes. You can place a Stop Payment under the ‘Stops and Inquiries’ tab, then click on Stop Payments>Single Stop. Enter the check information and click Submit. You can also check your paid items from this screen to ensure the check has not already cleared that you want to place the stop payment on. Stop Payments are real-time.
Q Can I set up a balance alert on my Business Online Banking?
A Yes, you can set up a number of different alerts under the ‘Setup’ tab. Choose Add An Alert under User Preferences.
Please keep Authorized Users, user e-mail addresses and phone numbers up to date. It is the signer’s responsibility to notify the Bank of any changes to Authorized Users for Business Online Banking. Each user needs their own login credentials; user IDs and passwords are not to be shared.