Business Online Banking Advantage is IronStone Bank's latest online service for enabling businesses to easily manage their accounts. It uses the technology of the Internet and allows you to view account information, transfer funds between accounts, and access other services online such as Automated Clearing House (ACH), wire transfer, and positive pay. It uses state-of-the-art security combined with the simplicity of web site navigation. Business Online Banking Advantage makes it easy to manage all aspects of your business's financial well being.

It is very easy. You do not have to know a lot about computers or be at your business to take care of your financial needs. It is as easy as a click of a mouse for most of the services available.

All you need to use Business Online Banking Advantage is an IronStone Bank business checking account, a computer with an Internet connection and a browser that is at least 128-bit encryption enabled.

Currently, you must visit a branch to speak to a Financial Services Representative. You will need an IronStone Bank business checking account in order to use Business Online Banking Advantage.

There is no charge for the base Business Online Banking Advantage package which includes previous-day balance and detail transaction reporting, book transfer and stop payment services. ACH, wire transfer and other services may have additional module, activity and excess item fees. See our fee schedule, stop by your branch or call 1.866.IB DIRECT (1.866.423.4732) and select option 4 for more details.

Your welcome kit will typically arrive between seven to ten business days after you enroll. At that time, you can access Business Online Banking Advantage. Please contact us at 1.866.IB DIRECT (1.866.423.4732) and select option 4 if you do not promptly receive your welcome kit.

To access Business Online Banking Advantage, you will need to know the Customer ID you selected at sign-up, as well as your User ID and Password. This information is provided to you in the welcome kit. The welcome kit will also include detailed instructions on how to sign in to Business Online Banking Advantage the first time.

Initially, you must designate a Company Administrator who will then be responsible for setting up access for other employees.

Yes. Your Company Administrator controls the access at the service level: balance reporting, stop payment, book transfer, etc. The Company Administrator also controls employee account access.

You will be able to view all of your business checking, money market and savings, installment and commercial loans, as well as lines of credit and credit card accounts. You cannot access a commercial leasing account.

You can make transfers from any of your IronStone Bank checking, savings, or money market accounts to any of your IronStone Bank accounts including commercial loan, lines of credit and credit card. You will have immediate access to your accounts and to your funds if you transfer between deposit accounts. Transfers to your loan accounts will post to your accounts as payments by the next business day. You can advance funds from a standalone line of credit account but not other credit accounts.

You can download your account history using comma-delimited, tab-delimited or BAI format. You can also download account history into Intuit® QuickBooks® and Quicken® accounting software using Web Connect.