Our fully customizable option for businesses with varied online banking needs.

With VCommerce Banking, you can save time, better manage your cash flow, and streamline your cash management procedures all in a fully secure environment.  Our representatives customize every VCommerce account to the individual needs of each of our business clients.

  • View real-time account balances
  • Detailed transaction histories
  • View check images
  • Schedule payments
  • Transfer funds
  • Access 12 months of archived statements
  • Request stop payments
  • Setup preauthorized debits (credit approval required)
  • Direct deposit of payroll (credit approval required)
  • ACH origination of vendor payments (credit approval required)
  • Safe and Secure

Frequently Asked Questions about VCommerce

What is VCommerce Banking?

VCommerce Banking is our Online Cash Management product that allows business clients 24-hour, real-time access to their accounts. Businesses can view account information, move funds, check transactions, plus initiate stop payments, and ACH transfers.

Who can access VCommerce Banking?

This service is available to any bank customer with a business account. Businesses can also grant full or limited use of VCommerce Banking to designated employees.

How do I sign up for VCommerce Banking?

Contact the Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.

How do I get an access ID and password for VCommerce Banking?

Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.

What does “real-time” account information mean?

Unlike other financial institutions that update information in “batches” one or two times a day, VCommerce Banking is “real time.” This means account balances and transactions are updated as soon as items are processed by the bank, delivering the most current information available.

How long is the transactional information available with VCommerce Banking?

You can access transactional information for your current statement cycle and previous statement cycle. You have up to 25 days after the last day of your previous statement to view and/or export the information.

Can I download my business account history into financial management software?

Yes, information from your checking, savings, and loan accounts can be downloaded to your computer and then imported into selected software applications such as Microsoft® Excel, Money, and other commonly used software. Note that not all file formats are supported.

Can I transfer funds from/to other financial institutions?

Yes, depending on your level of service, you may be approved to originate ACH funds transfers.

Can I transfer funds between my personal and business accounts?

For sole proprietors and owners, transfers can be made between personal and business accounts. This feature is not available for government, public entity, or nonprofit accounts.

Can I approve the transfer of funds initiated by employees?

Yes. With VCommerce Banking you can define access levels and set transfer limits for each employee.

What should I do with the confirmation number I receive after initiating a transaction such as a transfer?

You may either print the screen or simply make a note of the confirmation number for future reference.