Kirkwood Bank & Trust is striving to make business banking as easy and convenient as possible for you. Business Online Banking allows you to access your accounts at your convenience from anywhere, 24 hours a day, 7 days a week.
Business Online Banking offers many features including:
- Check account balances
- Transfer funds between business accounts
- Business Bill Pay
- ACH Origination
- Remote Deposit Capture
- Unlimited number of secure login users
- Access to unlimited accounts with multiple tax IDs
- Initiate stop payment(s)
- View eStatements
- Receive account alerts
Business Electronic Banking
Simplify the process of making payments and collecting receivables with our ACH origination service.
- Minimize expenses related to issuing paper checks
- Pay your employees and vendors easier, faster and more securely
- Reduce potential loss or theft of paper checks
- Set daily, weekly or monthly frequencies that fit your schedule
- Collect payments from your customers with pre-authorized debits
- Automate your employees’ payroll with direct deposit
Business Electronic Banking
Remote Deposit Capture
With Remote Deposit Capture (RDC), you can scan checks you receive at your place of business to create a digital deposit, eliminating the need to bring physical checks to the bank for deposit. This process is made completely secure through encrypted internet connections, so you can rest assured your checks will land safely in your business account.
- Eliminate trips to the bank
- Eliminate need for courier service
- Access images of deposits online
- Electronic deposit tickets
- Electronic endorsement of checks
Protect your business – Go Paperless! Enroll in eStatements for a secure and convenient way to receive your confidential financial business account statements.
Frequently Asked Questions
Business Online Banking
Can I use Bill Pay in my Business Online Banking?
Yes, Bill Pay is available in Business Online Banking. Please contact us at 701.258.6550 or 800.492.4955 as this feature needs to be activated by a Kirkwood Bank & Trust Team Member.
How do I enroll in Business Online Banking?
To enroll online, please fill out our Business Online Banking Application or contact one of our Team Members at 701.258.6550 or 800.492.4955.
How many online users can I have set up under my business account?
Currently, there is no limit to the number of online users.
Is ACH available in Business Online Banking?
Yes, we do offer ACH in Business Online Banking. Please contact a Team Member for more information.
Is Remote Deposit Capture available?
Yes, please contact a Team Member at 701.258.6550 or 800.492.4955 for more information.
Is there a fee for Business Online Banking?
Business Online Banking is free. Fees may apply to some services offered in Business Online Banking.
What file formats are available for downloading transactions?
- Comma-separated values (.csv)
- Microsoft Money (.ofx)
- QuickBooks 2005 & newer (.qbo)
- Quicken 2005 & newer (.qfx)
Why am I being asked to answer a security question or email a passcode?
For your added security, we require multi-factor authentication. If using a personal/private computer, you can select the box that says “Don’t ask me again on this device.”
Why am I unable to log into my account?
Please verify that you selected the Business Banking button at login. For security purposes, your account will be locked after 3 unsuccessful login attempts. To unlock your account, please contact us at 701.258.6550 or 800.492.4955 between 8:00am and 5:00pm CST Monday – Friday.
Business Bill Pay
If I don’t have an account number for a payee, am I still able to add a payee?
Yes, you can enter other information that identifies you to the biller in the account number section.
How are payments issued?
Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Only you can authorize payments by entering payee information, amount and pay date.
Do I need to log in each month to pay my bills?
You have the option to pay your bills manually each month or set them up to pay automatically.
Can I use different checking accounts to pay my bills?
Yes. Please contact a Kirkwood Bank & Trust team member to add additional accounts to your Business Bill Pay.
Can I stop payment on a bill pay item?
Depending on the type of payment sent, you may be able to place a stop payment. Please contact a Kirkwood Bank & Trust Team Member for assistance.
Can I change a payment once it has been scheduled?
Yes, you are able to edit or cancel any pending payments.
Is there a fee for Business Bill Pay?
There is a small fee for Business Bill Pay.
What is Business Bill Pay?
Business Bill Pay is an optional feature in online banking that allows you to pay your bills from one convenient location.
When is the payment deducted from my account?
The money is withdrawn from your account on the selected date if the payment is sent electronically. If the company or person is unable to receive electronic payments, a check will be printed and mailed to the payee’s address. The funds will be deducted from your account when the company or person deposits or cashes the check.
Who can I contact if I am having issues with Business Bill Pay?
You can contact us Monday – Friday between 8:00am and 5:00pm CST at 701.258.6550 or 800.492.4955 or you can call Business Bill Pay Customer Service 7 days a week between 6:00am and 12:00am CST at 800.877.8021.