The e-Personal online banking service provides basic account access capabilities generally needed for personal banking. The e-Business online banking service provides additional services and security in the business arena, such as: Wires, ACH (electronic payment/receipts and payroll direct deposits), Electronic Tax Payments, Account Reconciliation and Positive Pay as well as the ability to maintain multiple users with defined access to the accounts and services defined to the business.

Yes, an online banking customer must either be a signer of the account or have authorization from an account owner in order to have electronic access to the account.

For e-Personal banking, A User ID and password which is defined during registration but can be changed anytime through the User Settings in the e-Personal Application. The initial login also requires a Financial Institution key which is emailed to the user at the time of activation.

For e-Business banking, a Company ID and Password is required in addition to a User ID and Password. The Bank defines the credentials for the Company Administrator who then maintains all the users for the company.

For security reasons, e-Business banking passwords are required to change every 30-60 days.

To enhance security and provide the ability define specific access and roles to specific users, e-Business accounts require a Company ID and password and a User ID and password.

This is not allowed if your Business has multiple users defined on the e-Business account. This is due to the fact that each user on a single e-Business account will share the Company ID and password.

Only the Company Administrator can change the Company password.

The account owner is the only authorized person to request the the Company Administrator be changed.