Business OnLine Banking
Kish Bank’s Business OnLine Banking (BOB) is an integrated Web-based banking application that supports organizations of all sizes. BOB allows Kish Bank the flexibility to tailor an online banking solution to meet the exact needs of business clients. Because BOB is dynamic, Kish Bank can easily add to or modify the existing services as customers’ business needs expand or change. Customers will be able to perform the following functions at their convenience, at almost any time of day, from any personal computer.
Reporting & Transaction History
Balance reporting for deposit accounts. View up to 18 months of account history, as well as intraday and previous day balances and transactions. Output account information to BAI® Version 2, QuickBooks, Quicken, and CSV, QIF, and PDF file formats.
Automated Clearing House (ACH) Payments, Collection, & Monitoring
ACH tools for credit origination and debits are commonly used for direct deposit of payroll and vendor payments, concentration of funds from remote banks, and payment or invoice collection. Organizations can create separate entitlements for entry and transmission on a per user basis to assist with managing risk.
When ACH transactions are submitted, they are compared against historical ACH transaction data your company has performed. If the transaction appears to be outside of these normal behaviors, Kish Bank will notify you of the unusual activity to help keep you protected against fraudulent ACH transactions.
Perform internal transfers between single accounts with Express Transfers, or to multiple accounts with Book Transfers. Both are same-day and can be initiated as real-time or scheduled for future dates.
Pay anyone within the U.S. from any of your Kish accounts. Make future dated payments up to 364 days in advance and retain payees for future payments. You can also set up automatic recurring payments.
Businesses who use the QuickBooks accounting software can quickly reconcile their account registers with their Kish Bank account. This time saving feature uses the Open Financial Exchange (OFX) information sharing standard to seamlessly integrate data sharing between these two applications.
Create a single check or a range of checks for stop-payment online. Confirmations are provided for successful stop-payments, and 18 months of history of stop-payment requests is available.
View summary and detail reporting for loan and line of credit accounts at the note and commitment level. Make loan payments online and draw down or request an advance on line of credit accounts (subject to loan officer approval).
This service allows customers to manage their employee access to banking services and accounts, and to create text names for their accounts. This feature supports segregation of duties to facilitate risk management.
Positive Pay is a fraud prevention service that compares check issue information with checks that are presented for payment from your account. You then have the opportunity to decision issue items before they are posted to the account. This is an effective means of controlling the risks of unauthorized, altered, or forged checks posting to your account.
RSA SecurID® Tokens
Your business accounts are more secure than ever with the additional layer of security provided by RSA SecurID Tokens. A Secure Token is a small, portable device that generates a one-time digital code that changes every 30 seconds. This code is entered in conjunction with an 8-digit passcode created by the user when signing in to Business OnLine Banking and when transmitting an ACH file. This helps ensure that information is secure and protects the user from fraud and identity theft.
Business Services Support
Our Business Services Support Group will provide on-site training and assistance during set-up, and will act as an ongoing resource for any of these services.
For questions or to enroll in Business OnLine Banking, call the Business Services Support Group at 1-866-534-5474.
Business Express Online Banking
Business Express mirrors Personal OnLine Banking and is ideal for smaller businesses and sole proprietors. With Business Express, you can review account balances, make simple transfers, and complete electronic banking services at your convenience, from anywhere a personal computer is accessible.
To enroll in Business Express OnLine Banking, click here.