Business Online Banking FAQs

Frequently Asked Questions About Business Banking

Q. Does login information include any "personal" info such as name, account number, social security number, etc.?
No. The financial institution defines the Company ID, and no personal information is required by Business Banking to log in.

Q. What are the requirements for the User Password?
Must be between 6 and 16 characters and contain a minimum of 1 alpha, 1 numeric, 1 upper-case, and 1 special character (Examples: !@#$%^&*?).

Q. How often do I have to change my passwords?
The Company password does not expire. The Company Admin is forced to change it upon initial login. The User Password is required to change every 120 days.

Q. After three failed logins, what happens to the end user login?
The end user will be locked out and will need to contact either the Company Administrator or their financial institution. The Company Administrator contacts their financial institution and all other end users, contact their Company Administrator.

Q. What does Change Company PIN do?
The Change Company PIN in the Admin field does not change any passwords. You can disregard this field since it’s only used at initial set up.

Q. Who is the Company Administrator?
The Company Administrator created by the financial institution has the ability to modify other users who are designated as Administrators.

Q. Who are Administrators?
An administrative user created by the company administrator can view, add, delete, and modify non-administrative users.

Q. Who can reset passwords?
The financial institution can only reset the Company Administrator. Administrators are responsible for  resetting end users.

Q. How do the Account Descriptions work and how many characters are allowed?
Changing the account description (nickname) will rename the account everywhere it appears in the product, including the dropdown boxes for transactions. The user can enter up to 32 characters for the account description.

Q. What Personal Financial Management software packages can be used with Business Banking?
QuickBooks - Current year plus 2 earlier versions
Quicken - Current year plus 2 earlier versions
Microsoft Money - Support for MS Money will be discontinued in January 2011. Microsoft has announced plans to release versions of Money Plus Deluxe and Money Plus Home & Business that will not require online activation. This version will allow you to keep your Money files and transactional history, but will not allow access to online services or premium services.
Comma Delimited
HTML

Q. Does Business Banking use cookies?
Yes, non - persistent cookies (also called session cookies). That means that cookie information is not permanently stored on the end user's computer. If the multifactor authentication feature is enabled for the customer, a persistent cookie is stored to identify the computer at login.

Q. Why am I getting a 300 error message when attempting to login?

The business user entered in one of more of the following login credentials incorrectly:

  • Company ID
  • Company Password
  • User ID
  • User Password

Frequently Asked Questions About Enhanced Login Security

Q: What is Enhanced Login Security?
Enhanced Login Security is a new online security feature that provides additional protection from fraud and identity theft. By recognizing your login identification and your computer, Enhanced Login Security verifies that you are authorized to have access to the online system.

Q: Am I required to use the Enhanced Login Security feature?
Yes, once this feature is enabled for your business by your financial institution, you will be challenged at login if the system does not recognize your computer. Enhanced Login Security helps prevent unauthorized access to the online system, protecting the functions and financial information related to your banking accounts.

Q. What does challenge mean?
If the system does not recognize your computer, you will be challenged for additional authentication information known only by you. Two challenge options are used: security access codes and security questions. After your login credentials are recognized, a request for your security access code is sent via the email link. After the security access code is entered, you will be asked two authentication questions.

Q. How does Enhanced Login Security work?
The system will give you the opportunity to enroll each computer that you use for online banking. Once you have added the extra login security to your computer, you will see no difference to the login functionality. However, if you login from a different computer than the one you have enrolled, you will be presented with the challenge in order to login.

We recommend that you only enroll computers that are secure and can only be accessed by authorized individuals. For example: you would not want to enroll a computer that was located within a public area, or used by many people. Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

Q. What does it mean to enroll my computer?
When you enroll your computer for this service, you allow the system to place a code, called a cookie, on your computer. The cookie contains a unique identifier that is used in combination with your login identification. At every subsequent login attempt after enrollment, the system will look for this cookie and validate that it matches the login identification that you entered. This cookie is used by the system only to validate your computer’s identity and does not contain any personal information.

Q. Must I enroll a computer I do not use regularly?
No. However, you must answer the security challenge correctly to be authenticated and allowed access to the system. We recommend that you do not enroll public computers when the system presents the opportunity.

Q. What should I do if I want to unenroll a computer that I have previously enrolled?
If you discontinue using a specific computer to access the system, we suggest that you unenroll that computer from this service. This can be done by logging into your account from the computer that you want to unenroll and selecting the unenroll this computer button on the Enhanced Login Security screen. This will remove the secure cookie from that browser. If an attempt is made to log into the system with the unenrolled computer, a challenge will be presented before access is granted.

Q. Can I unenroll a computer from a different computer?
Yes, however you will have to unenroll all of your computers. This can be done by accessing the Enhanced Login Security screen to unenroll all of your computer(s).

Q. Can I log in from multiple computers and browsers?
Yes. You can log in from as many different computers and browsers as you like. However, if you log in from a computer that the system does not recognize, you will be challenged for further authentication and will be given the opportunity to enroll that computer.

Note: If you use multiple browsers on the same computer you will need to enroll each browser separately.

Q. Why do I keep getting challenged when I log in from a computer browser that I have already enrolled?
This is probably happening because the cookie that we placed within your browser is being deleted. We recommend that you do not delete these cookies if you do not want to be challenged at each login.

Q. I share my computer with someone that also uses the online banking system. Can both of us still log in from the same computer browser?
Yes. You can use the same computer to log in since the “cookies” placed on the computer are specific to each user ID.

Q. What is a security access code?
A security access code is a temporary code provided by the system that is unique to you and is used in the process to authenticate your identity.

Note: A security code may not accompany your security questions. Please contact your financial institution if you have any questions.

Q. When will I receive a security access code?
You will receive a security access code each time your Company ID, Company Password, User ID and User Password has been successfully authenticated from a computer that is not recognized.

Q. Will my security code expire?
Yes. Your security code will expire if your session times out or within 30 minutes, whichever is less. The expired security code entry will count as a bad login attempt.

Q. Can I reuse a security access code?
No. Each security access code is unique and valid for a single use only. If a security access code has been used previously, a new security access code must be generated and entered to gain access to the system.

Q. Will I be required to provide a security access code the first time I am challenged?
Yes, you will be required each time you login for the first time at a computer not recognized.

Q. Can I still log into the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not recognize the computer that you are using, then you will be challenged for a security access code before being allowed access.

Q. What are security questions?
The Security Question feature is an authentication feature based on predefined questions, a certain number of which are answered by you in advance. Therefore, answers should contain information known only to you, and correctly answering the questions presented by the system will authenticate your identity.

Q. How do I setup security questions?
If the Security Question feature is enabled by your financial institution, during the setup process the system will ask you to select and answer five questions when you first access the system. The system will store your question and answer combinations for use if it becomes necessary to authenticate your identity during a login attempt.

Q. Do I need to set up all five security questions?
Yes. You must select and answer five questions, carefully following the setup instructions presented on the computer screen during the process.

Q. How will I be challenged and what do I do when I am challenged?
Each time you log in on a computer the system does not recognize, you will be challenged with two questions, randomly selected by the system from the five security questions that you answered during setup. You will be given a series of instructions and presented with options by the system. Correctly answering the questions and completing the process will authenticate you as a valid user and permit access to the system.

Q. Can I still log into the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not recognize the computer that you are using then