Business Express Online Banking

Business Express assists with cash management and gives you instant access to your account information 24 hours a day, 7 days a week, allowing more time to manage your operation. Take advantage of secure and convenient banking wherever you have Internet access. We set up your access based on your business needs.


Summary

Services and features available within Business Express include:

  • Convenient Dashboard
  • Real-time account access for Checking, Savings, CDARS, ICS and Loan accounts
  • Monthly electronic statements for Checking, Savings, CDARS and ICS
  • View check images and check details
  • Make internal transfers between accounts; one-time, scheduled and recurring
  • Pay down and draw from your Commercial Line of Credit
  • Pay bills; one-time, scheduled and recurring
  • Perform stop payments
  • Perform domestic and international USD/FX wire transfers
  • ACH Payments and ACH Collections including Same Day
  • ACH Tax Payments
  • Prevent fraud with Positive Pay, Reverse Positive Pay, Payee Positive Pay and ACH Positive Pay
  • Compatible with most accounting software
  • Robust downloadable reports in csv, pdf and BAI2 (QuickBooks/Quicken and Money)
  • Dual control functions available
  • Email and text alerts for daily account management
  • Free support available via email

Learn more

ACH Originators Training Tool

Alerts

ALERTS

What are the type of alerts that I can set for my accounts?

The services to which you are entitled determine the alerts you can set up for your accounts.

What is an alert?

An alert is a notification that informs you when a specific event has taken place.

How will I know when I have received an alert?

An alert message is automatically sent to your Online Banking mailbox and is included in the count of new messages displayed on the Welcome page. You can also choose to have alerts sent to your personal e-mail address.

Why would I add an alert?

Alerts help you manage your accounts and banking activity.

Can I stop text message alerts using my mobile device?

You can stop the delivery of text messages by replying with "stop" to any text message alert you receive. However, doing this stops the delivery of text messages for all users who are using the same mobile telephone number. After you "stop" text messages using your mobile device, the phone number will continue to show up for up to 24 hours, but no additional alerts will be sent to the number. After 24 hours, the phone number and text message alert settings will be cleared for all users using the phone number.

Where are alert messages sent?

Alert messages are automatically sent to your Online Banking mailbox.

Account Alerts

Alert subscriptions that are mandatory cannot be deleted. Mandatory alert subscriptions always appear with a checkmark before the name instead of a check box and do not have a Delete link.

Add an Alert

  • Click Administration > Manage alerts.
  • Click the Account/Non-account/Custom Alerts tab.
  • Click the Add new alert link.
  • Enter alert criteria if applicable.
  • Enter an appropriate subject in the Subject field.
  • Enter an appropriate message in the Alert message field.
  • Select the Frequency in which you want to receive the alert.
  • Enter a date in the Next send on field, or click the calendar icon and select a date. This is the date when you will begin receiving the alert.
  • Click the check box associated with each Send To option to which you want the alert sent. The Send to column does not appear if you do not have an e-mail or mobile telephone (if applicable) defined.
  • Click Add alert.

Change an Alert

  • Click Administration > Manage alerts.
  • Click the Account/Non-account/Custom Alerts tab.
  • Click the Change link next to the alert you want to modify.
  • Modify the alert criteria as needed.
  • Change the Send to options as appropriate. The Send To column does not appear if you do not have an e-mail or mobile telephone (if applicable) defined.
  • Click Save alert.

Delete an Alert

  • Click Administration > Manage alerts.
  • Click the Account/Non-account/Custom Alerts tab.
  • Click the Delete link next to the alert subscription you want to delete.
Important Updates

Peoples National Bank previously used mail, email, or fax as a way to notify you if there was a returned ACH Originated item or if there was a Notification of Change. You can now begin accessing the Return and Notification of Change detailed report within Business Express Online Banking. This will provide quicker notification and a streamlined process. Effective February 1, Peoples National Bank will discontinue delivery through mail, email or fax and deliver only through Business Express.

To access, you will log in to Business Express and select Reports. You can then access the reports under Download Report. These reports can be viewed on screen or saved. You can also search by date range to access previously delivered Reports.

The Manage Alerts page includes a new Alert to which Business Express users can set up to be notified of the receipt of a Notices of Change and Return. The Alert is File Available for Download which provides notification when there is a Notification or Change or Return. Adding this Alert is recommended to ensure you are staying compliant with the ACH Rules. The Alert is available to be sent via email or SMS text notification when a Return or Change occurs.

A returned ACH transaction is an ACH transaction that is received by a Receiving Depository Financial Organization (RDFI) and sent back to Peoples National Bank. A returned ACH transaction contains the reason why it was returned, which could be for reasons including:

  • Stop Payment
  • Account Closed
  • Unable to Locate Account
  • Insufficient Funds

A Notice of Change is a notice sent from a Receiving Depository Financial Organization (RDFI) to Peoples National Bank and provides notice if there is an ACH transaction with inaccurate/out-of-date information. A Notice of Change could be sent for a number of reasons:

Routing Number/ABA of the bank needs to be updated.

  • The account number of the recipient needs to be updated.
  • The name of the recipient needs to be updated.
  • The account type indicated in the transaction is of the wrong type (checking/savings).
  • The individual identification number for the recipient needs to be updated.
  • An addenda record was formatted incorrectly or unclear.

A Notice of Change could originate from a one-time or template-based ACH transaction or from a transaction included in an ACH file that has been uploaded to the system.

For additional questions please contact Electronic Services at electronic.services@peoplesnationalbank.com.