How do I enroll my business accounts in Business Online Banking?
Simply complete our Business Online Banking Application and submit it by fax to 219-836-0265. The application can be obtained from the Business Banking section of mybankcitizens.com.
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What is the charge to use Citizens Online Banking?
There is no charge to view account activity including images of checks, to place internal transfers between accounts or to download account information to your personal money management software. Fees vary with additional amenities selected. Contact a member of the Business Resource Center at 1-888-811-6344 for more information.
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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.
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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.
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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 pre 2005 (.QIF)
- Microsoft Money (.OFX)
- Quicken 2005 & Newer (.QFX)
- Quickbooks 2005 & Newer (.QBO)
- Quickbooks pre 2005 (.IIF)
Then click the "Export" button to complete the process.
The following transactions can be exported:
- Previous Business Day
- Current Statement
- Previous Statement
- Selected Date Range within the Current and Previous Statement cycles
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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.
Regulation D transaction limits apply. No more than 6 transfers and withdrawals per month, by telephone or Online Banking, pre-authorized, automatic, point-of-sale or check, draft or negotiable order to third parties are allowed. An excess transaction fee will be charged for each item exceeding the 6 allowed transactions.
Transfers completed after 6:00 pm Central Standard Time, Monday through Friday or on a non-business day (Saturday, Sunday or Federal Holiday) will be processed on the following business day.
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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.
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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.
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How do I add an account to my Business Online Banking?
Simply complete the Business Online Banking Upgrade/Change Request form. This form can be accessed by clicking "Info" for Business Banking near the top right of this screen.
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What happens if I forget my password?
You may contact Client Services at 1-888-226-5237 or our Business Resource Center at 1-888-811-6344 to assist you should this occur.
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Can I see what Business Online Banking is like before I sign up?
Sure! Click "Demo" for Business Banking near the top right side of this screen. You will be taken to our online Demonstration.
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Can I send a request via email?
Our Online Banking system allows you to send the Business Resource Center an email 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 email. Instead you may contact us at 1-888-811-6344 for assistance.
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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.
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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.
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What type of additional security will be provided for Citizens Business Online Banking?
Various forms of multi-factor authentication are used in the Login process to verify your identity. Our Business Online Banking site also 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.
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