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Online Mobile Business Banking

 

Compete and win profitable business banking relationships by supporting the unique needs of this growing segment. Our online and mobile solution provides a superior experience for you and your customers through a single platform that scales from retail to business.

 

 

 

 

Our business members are extremely happy with the new online business banking experience.

IMBENIA KLINE, DIGITAL EXPERIENCE MANAGER, HARBORSTONE CREDIT UNION

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Product Summary

 

DESIGNED ON THE UNIQUE NEEDS OF BUSINESSES TO EMPOWER YOU TO COMPETE AND WIN BUSINESS BANKING RELATIONSHIPS WITH THE RIGHT SET OF FINANCIAL TOOLS—WEB, MOBILE AND TABLET

 

OFFER YOUR CUSTOMERS A SEAMLESS, PERSONALIZED EXPERIENCE IN THE OFFICE, ON THE ROAD, OR AT THE BRANCH—ALL ON THE SAME PLATFORM AS CONSUMER BANKING

 

  • Clean and intuitive user interface
  • Custom limits, dual approval, out of band authentication and tokens that raise the bar on fraud management
  • Same top-rated mobile design as Digital Insight’s retail offering
  • Payments templates to reduce errors and provide efficiency

 

The Digital Insight Difference

 

Our Business Banking Product is designed for businesses from the ground up—providing one segmented platform, differentiated customer experiences and future omnichannel integration.

 

  • Usability: Easily administer a differentiated experience that is intuitive for the business customer and designed specifically for businesses
  • Single platform: Enjoy streamlined control delivered on one platform for businesses and consumers with consistent experience and the highest levels of reliability. Use the same set of administrative tools you already know for both sets of users
  • Single sign-on: Your choice of vendors for business bill pay, mobile remote deposit capture and online statements as an initial delivery
  • Market depth: Appeal to a wide range of business needs from small business to mid-market

 

LOCATED ON A SINGLE PLATFORM YOUR BUSINESS CUSTOMERS WILL HAVE ACCESS TO THE RIGHT SET OF FINANCIAL TOOLS

 

ENHANCED ACH AND WIRES

 

  • Wire and ACH templates
  • Domestic and international wires
  • NACHA file pass-through
  • NACHA and CSV ACH file import
  • ACH prefunding
  • Approval workflows and notifications
  • Recurring ACH and wire payments
  • Token support
  • Tax template creation and maintenance
  • Same Day ACH Debits & Credits
  • Online ACH Reversals by batch or individual entry
  • Integration with third party wire applications

 

USER ENTITLEMENTS AND SEGMENTATION

 

  • Company administrator control of business user creation and management
  • Robust fine-grain entitlements options
  • Approval workflows and notifications
  • Define and assign segments
  • User entitlement reports
  • Password reset/user unlock for company administrators

 

THE POWER OF MOBILE

 

  • Push notifications and alerts
  • Manage approvals on-the-go
  • Account Management: - Multi-TIN balances, transactions and transfers - Entitlements enforced regardless of channel - ATM and Branch locator
  • Security Features: - Biometric Authentication for fast, secure access - User access controls - Token, text and voice approval options

 

Homepage: Business focus view of homepage with

approval widget

BUSINESS BANKING MOBILE

 

 

 

Enhance your Business Banking customers’ experience by offering on-the-go flexibility and control with Business Banking Mobile. Now your small business customers can easily and securely manage their accounts where ever they are and can keep their business moving forward.

 

Offer your small business customers the next digital business banking experience they want, from the office to the road, so they never miss a business transaction.

 

 

Small to mid-market business

 

  • Easy to use – Design aligns with Digital Insight’s online retail banking application
  • Seamless banking experience is maintained across all digital channels
  • Provides control - on-the-go user management capabilities

 

 

Financial Institution

 

  • Enable your small business users to manage their business banking on-the-go
  • Enhances the Business Banking offer for small business users, helping to retain current customers and attract new ones
  • Exceptional usability offers a superior customer experience, delivering more convenience and freedom to manage their business
  • Rich capabilities and segmentation – customizable to each customer’s business needs
  • Easy to implement – Quickly onboard business customers without loss to their productivity

 

 

KEY FEATURES

 

  • Manage accounts anywhere - view balances and transaction history; transfer, send and receive money
  • Stay informed with push notifications for low balances, large withdrawals or deposits, etc.
  • Multi-TIN balances, transactions and transfers
  • Remote Deposit capability – never lose another check with real time deposit
  • ATM and branch locator
  • Entitlements enforced regardless of channel
  • Biometric authentication, user access controls and token, text and voice approval options
  • Available on iOS and Android, compatible with tablets and smartphones

 

 

BENEFITS AND VALUE

 

Trust and reliability - Business Banking Mobile creates a differentiated expedience for your customers and is the same top rated mobile design as the retail offering. Users love Digital Insight apps for their simplicity and reliability.

 

Cost and control – Single Admin Platform with a consistent interface lets you use the same set of administrative resources for both consumer and business solutions, increasing back office efficiency. One point of contact for support and one system to upgrade or enhance.

 

Revenue opportunities – Easy to use interface allows small businesses flexibility to manage their business from their tablet or smartphone. This will help you provide superior customer service for the small business user and accelerate new user adoption. If you have business customers who are also consumer customers, they will easily transition to the new solution so you can quickly begin growing revenue.

 

Scalability – As businesses grow from a single person to larger entities, they need one solution, a single platform, that will continuously meet their growing operations. By providing the mobility and functionality for small or high-volume businesses, you will be able to compete for and secure a larger market share of more dynamic and high-dollar business entities.

 

Shared Access and ACH and Wire for Retail

 

 

Attract, engage and serve the unique needs of your smallest businesses, solopreneurs and high net worth individuals by delivering simple and user-friendly solutions like Shared Access, ACH and Wires on a single digital banking platform.

 

Grow fee revenue while allowing your smallest business customers and high net worth individuals to:

  • Make, collect and schedule payments
  • Review and manage payment and collection history
  • Delegate administrative payment tasks to other staff while maintaining control and security

 

 

Shared Access

 

Give your users the ability to grant account access to those they trust – allowing them to view account information, track transaction history, or make payments on the user’s behalf.

 

 

ACH and Wire for Retail

 

Make it safe, quick and easy for consumers and small businesses to make and collect payments from within Online Banking.

 

Automated Clearing House (ACH) – ACH is an electronic network for financial transactions in the United States that processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit payroll and vendor payments.

 

Wires – Make dependable, same-day, electronic payments via the Federal Reserve system.

 

ACH/Wires makes it easy to:

  • Make payments to vendors and other businesses on time.
  • Collect payments from vendors and other businesses.
  • Schedule future-dated payments.
  • Review and manage payment and collection history.
  • Delegate authority to make or collect payments, yet maintain control and security with robust Shared Access options and out-of-band confirmations.

 

 

Financial Institution Benefits

 

Improve profitability – Generate fee income, lower the cost to serve on a single platform and drive higher engagement with other products and services.

 

Deepen loyalty and trust – Meet the money movement needs of consumers and small businesses with an easy- to-use solution that saves them time and resources.

 

Reduce fraud – Secure payment options, control account access with Shared Access, and access audit and tracking features.

 

 

End User Benefits

 

  • Securely move money using the online banking platform they are familiar with.
  • Fast and reliable incoming and outgoing payments.
  • Saves time and money by delegating access to those they trust.

 

 

Shared Access Features

 

  • Easy setup: Add users and set permissions in a few clicks.
  • Choose account level permissions and control access to Bill Pay and internal transfers.
  • Set transaction approval limits for Bill Pay.
  • Save end users’ time by allowing them to safely delegate Online Banking tasks to others.
  • End-to-end training and marketing support.

 

 

ACH and Wire for Retail Features

 

  • Right-sized with a simple and intuitive user interface for most commonly used payment functions.
  • Frequently used functions on the main screen including add a payee, make a payment and review history.
  • Ability to restrict access based on the Shared Access level and includes complete sub-user tracking capability.
  • End-to-end training and marketing support.

 

 

ACH and Wire for Retail Banking