Young Bank

Business Online Banking

What is Business Online Banking?

Business Online Banking is an Online Cash Management product that allows business clients 24-hour, real-time access to their Young Bank online accounts.

Businesses can view account information, view check and deposit images, move funds between Young Bank accounts, access account statements, and originate wires and ACH Transfers.

Learn more about Business Online Banking

Who can access Business Online Banking?

The service is available to Young Bank business account holders. Business owners can grant full or limited access to their employees. Each employee granted access has their own login credentials. Also, employees that have access to submit ACH Transfers are issued a security token that generates a One-Time password used to sign into their online account.

Learn More About Soft Tokens

Available Business Online Products

Originate ACH files through Business Online. Uses include Payroll Direct Deposit, sending funds to receivers at other financial institutions, and receiving funds from senders at other financial institutions.

How to use ACH Manager

Send wires through Business Online. This feature allows you to enter and approve wires without contacting the bank. Wire Manager will also generate a full confirmation of sending and delivery of funds. It is a safe and secure way to send a wire on a schedule that works for the business.

How to use Wire Manager

Positive Pay is a product used to detect check fraud. With Positive Pay, authorized users have access to an array of tools that help guard against fraudulent activity. With Positive Pay, you simply enter the details for the checks you write, or you may upload a file containing the details of each check. The system then compares that information with the items being presented for payment. If there are any discrepancies, the payment is flagged for your review. If the item is fraudulent, you mark it as such, and the bank handles the rest.

Learn More about Positive Pay

Business clients may use Remote Deposit Capture to scan their customer’s checks for deposit into their Dayspring Bank business account(s). This service is typically used by our business clients that are not located close to one of our banks.

Learn More about Remote Deposit

Business owners can grant full or limited online access to their employees. Each employee granted access has their own login credentials, and they do not need to be a signer on the account. Access is determined by the business owner, and employees or accountants can be set up with view-only access or access to use any of the above-mentioned Business Online Products.

Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

Learn More about Business Bill Pay