Business Electronic Banking
- Business Banking
- Business Electronic Banking
Easily Access your Business Accounts
Access your business accounts. Make purchases with your business debit card. Pay your bills and transfer funds when it’s convenient. Keep your business finances secure. Enroll in Business eStatements today!
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
Business Mobile Banking
Stay connected and manage your business accounts from anywhere. KBT Business Mobile App allows you to:
- Check Account Balances
- Review your transactions
- Transfer funds between accounts
- Make approvals for key transactions
- Mobile Deposit
- Originate payments for ACH, bill pay & loans
- Business Mobile Banking FAQs
Business Electronic Banking
Business Mobile Deposit
Mobile deposit allows you to deposit your checks anytime on any day using our secure KBT Business Mobile App.
- Endorsement must include your business name and “KBT Mobile Deposit”
- Per item and total daily limits apply
- Securely store your check of 14 calendar days after deposit
- Business Mobile Deposit FAQs
Business Electronic Banking
Business Online Bill Pay
Business Online Bill Pay is essential for small business success. Online Bill Pay gives you more control over organizing, scheduling, paying and even receiving your bills from one trusted place.
- More Organization – Manage all your bills from one easy place
- More Convenience – Receive your bills electronically with eBill
- More Time – Schedule one time or recurring payments
- Business Bill Pay FAQs
Business Electronic Banking
ACH Origination
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
Direct Connect for QuickBooks®
Direct Connect for QuickBooks® allows business online banking customers to seamlessly connect through their QuickBooks® software.
Some benefits of Direct Connect are:
- Seamlessly keep track of all your accounts through an all-in-one platform that displays both your business banking and accounting activity.
- Eliminate manual data entry and duplicate entries by exporting your account balances and transactions from online banking into QuickBooks®.
- Simplify your account reconciliation process by organizing expenses, transactions, and balance information into categories.
- Incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions.
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
eStatements
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
FAQ's
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?
There is no fee for Business Online Banking. 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.
Business Mobile Banking
How do users log on?
Account holders use the same Username and Password/Token they use for Business Online Banking access. After initial login, a user can also take advantage of their smartphone’s built-in security features, such as fingerprint ID and facial recognition.
Is there a fee for Business Mobile Banking?
There is no fee for our customers. However, data and/or access fees may apply from your mobile or internet service providers.
Which devices can be used?
Account holders with an Apple® or Android® smartphone with internet access can download our Business Mobile Banking app right from their app store.
Who can use Business Mobile Banking?
Customers who are currently enrolled in Business Online Banking and have a business account, loan or line of credit are eligible.
Business Mobile Deposit
Are there any types of checks that are unable to be deposited through Business Mobile Deposit?
- Savings Bonds
- Money Orders
- Checks payable to any other business or person other than business name on the account
- International checks
- Check that contain evidence of alteration, or that you know or suspect are fraudulent or otherwise not authorized by the owner of the account which the check is drawn
How does Mobile Deposit work?
Users can simply select “Deposits” from the menu in our app, enter the amount of the deposit, endorse the physical check and take photos using the camera on their smartphone of the front and back of the check and submit. Per item and daily limits apply.
How should a check be endorsed for Mobile Deposit?
Endorsement must include business name and the words “KBT Mobile Deposit” below the business name to identify the check properly.
What is the cut-off time for Mobile Deposits?
- Check submitted prior to 3:00pm CST
- Your deposit will be reviewed and processed on that business day
- If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the same business day.
- Check submitted after 3:00pm CST
- Your deposit will be reviewed and processed on the next business day
- If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the next business day.
What should I do with my paper check after using Mobile Deposit?
Securely store your check for 14 days after the deposit has been credited to your account. After you have verified this, you are required to shred the check.
When are funds available from a Mobile Deposit?
Funds from Mobile Deposits are generally available on the next business day after it is received, just like typical deposits.