How do I enroll my business accounts in Business Online Banking? What is the charge to use Citizens Business Online Banking? Will I be able to access information on all my accounts? Will I be able to distinguish one account from another with Business Online Banking? Will I be able to access transaction history on my accounts? Can I download my account information to my own personal money management software? How do I download information from my account? Will I be able to transfer funds between all of my accounts? Can I setup transfers for future dates or on a recurring basis? Can I use Business Online Banking to pay my Citizens Loan? How do I add an account to my Business Online Banking? What happens if I forget my password? Can I see what Business Online Banking is like before I sign up? Can I send a request via e-mail? How secure is my account information with Business Online Banking? Why is it important to use 128-bit encryption instead of 40-bit encryption? What type of additional security will be provided for Citizens Business Online Banking? What is the difference between PC Banking, Online Banking and Internet Banking? How do I enroll my business accounts in Business Online Banking? Simply complete our Business Online Banking Application and submit it by fax to 219-923-1959.  The application can be obtained from the Business Banking section of mybankcitizens.com.  A member of the Business Resource Center will contact you generally within five business days to finalize your application. [ Top ] What is the charge to use Citizens Online Banking? Fees vary with amenities selected. Contact a member of the Business Resource Center at 1-888-811-6344 for more information. [ Top ] Will I be able to access information on all of my accounts? Just list all accounts you wish to access on your Business Online Banking application. You can request new accounts to be added to your online profile at any time thereafter. [ Top ] Will I be able to distinguish one account from another with Business Online Banking? You can select a unique product description for each account on the application.  For example, if you have two checking accounts, you could assign a nickname such as "Payroll Account" for your payroll and "Operating Account" for your Operating Expenses. [ Top ] Will I be able to access transaction history on my accounts? You can access transactional information for your current statement cycle. Your bank statement may be available for up to 30 days after your statement end date. [ Top ] Can I download my account information to my own personal money management software? All account information can be downloaded to Quicken, Microsoft Money, QuickBooks, and CSV. [ Top ] How do I download information from my account? To export transactions into your personal finance application, select the appropriate Transaction Export options located in the Transaction Menu and click the "Export" button. Your files will be saved to disk. Once you have logged on to your personal financial application, you can then import these files from their saved location. Select the appropriate file type from the following list.  Comma Separated File (.CSV)  Quicken Interchange Format (.QIF) -- Intuit Quicken  Open Financial Exchange (.OFX) -- Microsoft Money  Intuit Interchange Format (.IIF) --Intuit QuickBooks Then click the "Export" button to complete the process. The following transactions can be exported: Current Business Day Previous Day Current Statement Previous Statement Current Month Previous Month Current Year Previous Year [ Top ] Will I be able to transfer funds between all of my accounts? Citizens Business Online Banking is a secure, convenient way to transfer funds from your business savings, business checking, business line of credit, and business money market accounts. Transfers executed through Business Online Banking from a money market or savings account are limited to six per statement cycle (for example: Telephone, Online Banking automatic pre-authorized transfers and OD protection transfers) with no more than three by check, draft or similar order (ACH debit) to third parties. Transfers completed after 6:00 pm Central Time, Monday through Friday or on a non-business day (Saturday, Sunday or Holiday) will be processed on the following business day. [ Top ] Can I set up transfers for future dates or on a recurring basis? Citizens Business Online Banking provides the flexibility of completing a same day internal transfer (prior to 6:00 pm CST), a future-dated transfer, or recurring monthly transfers. [ Top ] Can I use Business Online Banking to pay my Citizens Loan? Yes.  By transferring funds from one of your other Citizens accounts to your loan account, you can avoid making out a check and having to mail your payment. [ Top ] How do I add an account to my Business Online Banking? Simply complete the Business Online Banking Change/Upgrade Request form. This form can be accessed while you are logged into online banking by simply clicking on the link titled “Upgrade” located near the bottom of the screen. [ Top ] What happens if I forget my password? Our Business Online Banking application contains various pieces of information that can be used to verify your identity as well as a security question that is selected and answered by you at the time of application. Our Business Resource Center can be reached at 1-888-811-6344 and will assist you should this occur. [ Top ] Can I see what Business Online Banking is like before I sign up? Sure! Click on "Demo" at the top right side of this screen.  You will be taken to our online Demonstration. [ Top ] Can I send a request via e-mail? Our Online Banking system allows you to send the Business Resource Center an e-mail by clicking the contact us link in the website. This is not a secure email. Never send us your Business Online Banking ACCESS ID or your PASSWORD or other sensitive Citizens Account information via e-mail.  Instead you may contact us at 1-888-811-6344 for assistance. [ Top ] How secure is my account information with Business Online Banking? Online security is as important to Citizens as it is to you. When you bank online it is encrypted through Secure Socket Layer. Our Business Online Banking product provides 128-bit encryption. This technology encodes information sent over the Internet between your computer and Citizens. This ensures the information you send remains confidential. [ Top ] Why is it important to use 128-bit encryption instead of 40-bit encryption? Browsers are roughly 300,000,000,000,000,000,000,000,000 times more secure with 128-bit encryption than browsers with 40-bit encryption levels. While 40-bit is fine for lower risk transactions, it is no longer considered adequate by most cryptographers and computer scientists for financial transactions. It is estimated that the 128-bit encryption level will be sufficient for preventing security breaches for the next 20 years. [ Top ] What type of additional security will be provided for Citizens Business Online Banking? Our Business Online Banking site incorporates VeriSign's digital ID certificate and state of the art technology to keep your account information safe and protect all of your Internet transactions. [ Top ] What is the difference between PC Banking, Online Banking and Internet Banking? Online Banking and Internet Banking are one and the same. PC Banking is software-related and is not accessed through an Internet site. [ Top ] For additional information, contact us or call Citizens Business Resource Center at 1-888-811-6334.