Online Banking /
Business Direct Access
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Business Direct – Cash Management
FAQ’s
Here are some helpful answers to the most frequently asked questions about Business Direct. Please select from the categories below. If you can’t find an answer to your question, please click on “Contact Us”
Categories
- Business Direct FAQ’s
- Business Direct Online Bill Pay
- Business Direct Technical Questions
Business Direct FAQ’s
- What is Business Direct?
Business Direct is a web-based corporate cash management system which allows business customers to initiate internal and external transfers, originate payroll, submit tax payments. This allows real-time access to better manage your company’s financial position.
- How much does Business Direct cost?
Per month and/or per transaction fees apply to these services. Contact FCB’s Online Banking Department for more information.
- Which type of accounts can I access using Business Direct?
You can review your checking, savings, CD’s, IRA’s, and loan accounts; as well as review and approve wire transfers and ACH activity.
- How do I sign up for Business Direct?
Customers with accounts at any FCB location may sign up for Business Direct Online Banking by completing the online application. A member of our business development will then contact you to finish the enrollment process. For more information, please click Contact Us, or call 866-323-4322.
- What should I do if I forget my password?
For security reasons, a password list is not maintained. If you forget your password, simply call us at 866-323-4322 and ask to speak with one of our customer service representatives. Once you have been successfully identified, we will provide you with a one-time password. This assigned password is good until your next log-on attempt, at which time you will be required to change your password.
- How late in the day can I make a wire transfer for it to be sent today?
While you can create transfer requests any time, only transfer received prior to 2:00 p.m. on business days will sent that same day. All transfers created on weekends or holidays will be sent the next business day.
- How late in the day can I send an ACH file for it to post tomorrow?
All ACH files must be received prior to 2:00 p.m. on business days. Debit ACH files must be received at least one (1) day prior to the desired posting business date; all Credit ACH files must be received at least two (2) days prior to the desired posting business date.
- Can I stop or modify my request to transfer funds?
Yes, any time before you “submit” a transfer request and receive a confirmation you can have the proper security established to allow you, or other employees, to review all transfer requests before they are sent.
- Are there limits to the number of wire transfers I can make?
Some accounts, such as checking accounts, have no limits as to the number of transfers you can make. However, many Money Market and Savings accounts, by Federal Regulation, are allowed no more than six (6) pre-authorized withdrawals or transfers per month. If you are unsure please check with a customer service representative.
- What is an “alpha-numeric, case sensitive” password?
“Alpha-numeric” refers to the fact that both numbers and letters are used. “Case-sensitive” means that both upper and lower case letters are used.
- Can I download my account history into my financial management software?
Yes, account history can be downloaded into all versions of Quickbooks, Quicken, Microsoft Money, and a CSV file.
- Can I download my account activity from the past year?
While you can only download account statements for up to one year, you only have access to download account history into financial management software for up to 60 days.
- When will advances, payments, or transfers made through Business Direct be credit or debited from my account?
Most financial transactions (account transfers, advances, and payments) requested before 2:00 p.m. CST are processed immediately on the business day that they are requested. Transactions requested after 2:00 p.m. CST, on weekends and holidays will be processed on the next business day.
Business Direct Technical Questions?
- What system requirements will I need?
To access Business Direct, you will need a computer with Internet access and an Internet browser with 128-bit encryption such as Internet Explorer 5.5, Version SP1 or greater. Please note you may experience problems using Business Direct with Netscape Navigator or on a Macintosh system. For optimal viewing, a monitor resolution of 800x600 and a 486 processor or higher.
- Whom do I call if I'm having problems logging on to Business Direct?
If you are having problems logging on to Business Direct such as your password doesn't work or the Business Direct links are not working properly, contact us by e-mail or call 866-323-4322 for assistance. If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. Business Direct is unable to provide technical support for computer or browser-related problems.
- When I change my Access ID or Password, I get a message that says it has already been selected/chosen. What does this mean?
For added security, all Access IDs and Passwords must be unique. This means no two Business Direct users can have the same access codes. If you receive this message, simply try another combination of numbers and/or letters and symbols. (For your protection, your Access ID and Password must be 8 to 32 characters and can include both numbers and letters. Also note that the fields are case sensitive).
- What software is required to view my Image Statement online?
To view your statement online, you must have Adobe Acrobat Reader, version 4.0 or higher, installed on you pc.
- Why do I sometimes receive errors when I use my back and forward buttons in my browser?
Due to security requirements, there are some instances where we prevent pages from being saved to your computer's hard drive or kept in your computer's memory. In these cases, you will receive a browser error message that asks you to "re-post" or "reload" the page. If you are using Netscape, simply click the browser's Reload button and you will receive the last page you visited. If you are using Internet Explorer, simply click the browser's Refresh button.
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