Business

How much does Online Banking cost?
Basic service is free of charge for both personal and business accounts. Call 650.378.3700 for more information on fees.

Can I name my accounts?
If you would like to create special names for your accounts, simply click on the User Services tab, and underneath the Manage Account header, select Account Nicknames. Enter the names you would like to designate for your account(s) and click the button labeled Update Nicknames. The existing name will be replaced by the Nickname, on the Accounts screen.

How do I add or delete accounts shown on Online Banking?
To add or delete accounts, an authorized owner of the account must request the account addition or deletion. Personal account owners may submit a request via Online Banking, under User Services. Simply select Add New Online Account or Remove Online Account under Manage Account. Business accounts must submit a revised Business Online Banking Enrollment form (available from your Office of account) signed by an authorized account signer.

How recent is my account information?
Because our Online Banking is "Real-Time" your balances are-up-to-the-minute. As transactions clear your account, they are available for viewing immediately.

How do I change my password?
You may change your password by clicking on User Services tab, when logged into Online Banking. Under the Security Settings header, click on the Change Passcode link. You will then be prompted to enter your old password, then create and verify a new password.

What if I forget my password?
If you forget your password, or get locked out of Online Banking, you may change your password at any time from the log-in screen. Click the Forgot your Passcode? link. Enter your Access ID, your social security number or an account number that is listed on your Online Banking profile. You will then be prompted to answer two security questions, which you originally set up when you first logged into the system. Next, you will be prompted to create a new passcode. Finally, a confirmation code will be sent to your email address, which will be required to enter upon log in.

Which browser should I use for Online Banking?
Our Online Banking system supports Internet Explorer, Firefox (Mozilla), Netscape Navigator and Safari, as long as they are 128-bit encrypted. If you do not have a 128-bit encrypted internet browser, you may download the latest versions of Internet Explorer and Firefox from our login page. Special note: Internet Explorer 9 is not yet completely supported.

What will happen if I don't log off the system?
As an additional security feature, Online Banking will automatically log you out after 10 minutes.

How much history will be available on the account history page?
Up to 2 years of account history will be available; accumulating from the date the account was added to your Online Banking profile.

How do I know if my online transfers have been made?
You can see the transfers in your Account Details screen. You can also view recent and pending transfers on the Transfers Page.

How late can I submit an online transfer for it to be posted the same day?
You can submit transfers up to 5:00pm PST for same day posting. You may also submit loan payments up to 5:00pm PST and they will be posted the same day.

How do I cancel a transfer I've submitted online?
Because our Online Banking system processes transfers immediately, you may not cancel a transfer online. You may, however, submit a reverse transfer between the accounts for the same dollar amount which effectively cancels a transfer.

Will I need to set up my other users' rights?
Yes. Every time a new user, new account, or new service is added to the Business Online Banking profile, you will need to assign appropriate rights for all users, including your own user rights. You may even add and/or remove sub-users as employees leave your company and as you hire others. You may make any modifications to your current users' rights, add or delete users by going to Sub-User Administration under the Cash Management tab.

How do I download history to my Quicken®, Quickbooks®, or Microsoft Money®?
In the History menu, click on Export History. Select the date range of history you would like to export, how you would like the data sorted, how many transactions/items per page, the type of software you use and finally the type of report you would like to export. Save the history file on your computer. Once the file has been saved, open Quicken®, QuickBooks®, Microsoft Money® or other compatible software programs and import the history from the file you saved.

How do I add the optional Bill Pay service?
Our Bill Pay Service may be added to your account at anytime. Personal Online Banking users may send a request by clicking on the User Services tab, and selecting Add/View Account Services. Click the Edit link next to the checking account you would like to add the Bill Pay service to, and choose Bill Pay from the list of services available for the account. Business users must submit Cash Manager & Bill Pay form (available from your Office of account) signed by an authorized signer.

Are all of my payments sent electronically?
Many of your payments are made electronically; however, some payments are made by check. For example, some payees, such as individuals cannot receive electronic payments, so a check is printed and mailed to the payee.

How much does Bill Pay cost?
Bill Pay is free for personal accounts. Basic Business Bill Pay is free as is Regular Business Bill-Pay as well.

Who can I pay with the Bill Pay service?
You can pay anyone in the United States whom you would normally pay by check or automated debit, with the exception of state and federal tax payments and court-ordered payments. For businesses, taxes can be paid using the EFTPS option in Cash Management.

When paying a bill, when is the money drawn from my checking account?
Funds for the payment clear your account on the scheduled payment date. At times, the Bill Pay system may pay a payee by check. When this occurs, the payment will clear your account once the payee cashes the Bill Pay check.

How do I know if a bill payment has been scheduled?
In Bill Pay, click on Payment Activity to view a list of pending and processed bill payments.

All account and service applications are subject to individual approval by the Bank. Minimum balances may be required for some accounts. Certain other terms, conditions, and fees may apply. Please contact your Private Banker or local Bank office for additional details.