How to Use Business Online & Mobile Banking

Get the most out of your digital banking experience.

Get started with these simple tips

Find step-by-step instructions for some of our most popular business online & mobile banking features. If you don’t find an answer to your question here, download our complete user guide.

How to change your username or password

Reset your password or retrieve your username:

  1. If you have forgotten your username or your password, click on Forgot your username or password?
  2. If you have forgotten your password, select Business Account, enter Username and EIN, click Reset Password and follow the prompts.
  3. If you have forgotten your username, enter either your primary Email Address or Phone Number. Click Send to have your username sent to you.

*Note: Once you receive your username, you may go through the Reset Password process if you have also forgotten your password.

Still have questions? Download our complete user guide.

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Change your username or password:

  1. If you know your username and password but wish to change either one or both, log into Digital Banking.
  2. Click your profile icon to access user settings.
  3. Click Security.
  4. At the ID & Password tab, select Change Username or Change Password and follow the prompts.

Username and password criteria:

Username: Must be 8-32 characters long and cannot include special characters (!, $, *, etc.)

Password: Must be 8-32 characters long, contain at least one upper case letter and one number, and can include special characters (!, &, %, etc.)

Still have questions? Download our complete user guide.

Change Your Username or Password - Long Form

How to use business remote deposit

  1. Log in to Business Digital Banking, click Business Remote Deposit and a new window will open.
  2. Click Deposit. To view System requirements including a list of certified scanners, see the Help menu at the right of the screen. Click the back arrow in your browser to return to the Welcome screen or continue to step 3 below.
  3. Follow the prompts to set up your scanner. You will need to Download and Install the Device Control, then Add your scanner.
    • If the Device Control is not available for your scanner, you may request that your device be added by contacting VSECU through secure message in your Digital Banking account or by calling 802-371-5162.
  4. After your setup is complete, click Deposit or Start a New Deposit.
  5. Select an Account into which you want to make your deposit from the dropdown menu.
    • Enter a Description (optional).
    • Select the number of checks in your deposit in the Batch Quantity field.
    • Enter the total amount of your deposit in the Batch Total field.
  6. Write “For VSECU Mobile Deposit Only” and sign your name in the endorsement area at the top of the back of the check(s).
  7. Place the check(s) in your high-speed desktop scanner, orienting it/them as indicated on the scanner. Click Start Scan.
  8. After scanning is complete, you will see your check(s) listed.
    Please note that the Batch Total at the bottom of the screen will need to match the Batch Quantity and Batch Total amount you entered above before you can submit the deposit.
  9. Review the number of checks in your batch deposit at the bottom of the screen under Batch Total. If the total number of checks is incorrect, then review to see if any checks did not scan and Scan More Checks, if necessary.
  10. Review the deposit amount of your batch deposit at the bottom of the screen under Batch Total. If the total deposit amount is incorrect, review each check image and adjust the amount.
    • You may click on the viewing options above the check image to adjust size.
    • You may click the trashcan icon to remove a check from the batch deposit.
  11. A check may be flagged as not appropriate for depositing. For example, a check will be flagged for missing endorsement on the back of the check.
    • Click Flagged only if you wish to see only checks that have been flagged.
    • Click on the flagged check for details. If applicable, remove the check
    from the batch deposit, fix the flagged issue, then re-scan.
    • Please note that a check that the system recognizes as already deposited will be rejected.
  12. After corrections have been made and flagged check issues have been resolved, click Submit. You may also Cancel the entire deposit or Scan More Checks to add to the deposit before submitting.
  13. After your remote deposit is complete, keep the physical check(s) for 90 days before shredding the check(s).

Still have questions? Download our complete user guide.

How to make a wire transfer

  1. Log into Digital Banking and click the three-dot ellipsis (…) to access More Links.
  2. From the More Links dropdown menu, click on Wires.
  3. Enter One Time Wire details.
    • Select the Funding Account from the dropdown menu.
    • Enter the Amount of the wire transfer.
    • The wire transfer Occurs once.
    • Choose the Deliver By date.
    • Select the Type of wire from the dropdown menu.
  4. Enter One Time Wire details, continued: Enter Beneficiary Note: The abbreviation FI stands for Financial Institution.
    • Beneficiary Name
    • Account Number
    • Address (optional)
    • Beneficiary FI Routing Number
    • Beneficiary FI Name
    • Message to Beneficiary (optional)
  5. Click Review.
  6. Review One Time Wire details. Click Edit to make changes.
  7. Click Submit.
  8. Click Print, if desired, then click Done.

Still have questions? Download our complete user guide.

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How to manage ACH

How to set up recipients:

  1. Log in to Business Digital Banking and click Manage ACH.
  2. Click Recipients.
  3. Click Add a New Recipient.
  4. Select or fill in the New Recipient details:
    • Name
    • Nickname (optional)
    • Account Number
    • Account Type
    • Routing Number
    • ID Number (optional)
    • Add or Edit Category (optional)
    • Email (optional)
  5. Click Save.

Still have questions? Download our complete user guide.

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How to create a new template:

  1. Log into Business Digital Banking and click Manage ACH.
  2. Click Templates.
  3. Click Create or Upload a Template and select Create a New Template from the dropdown. Please see related guides on how to import a new template or upload a pass-thru file. Alternatively, you may click Add your first template if this is your first template.
  4. Select or fill in the New Template details:
    • Template Name
    • Company Name
    • Transaction Type
    • Description
    • Company disc. data (optional)
  5. Select an Offset account from the dropdown and check the box to make the template a restricted template, if desired. Note: Restricted templates can only be used by sub-users
    with roles allowing access to restricted templates.
  6. Click Save.

Still have questions? Download our complete user guide.

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How to find existing templates:

  1. Log into Business Digital Banking and click Manage ACH.
  2. Click Templates.
  3. Type within the search field to find your existing ACH templates, or sort by name, amount, or type.
  4. Click on the template to select and manage the template.

Still have questions? Download our complete user guide.

Business Manage ACH Template Digital Banking - Long Form Txt

How to add recipients to a template:

  1. Log into Business Digital Banking and click Manage ACH.
  2. Click Templates.
  3. Search for an existing template or create a new template as described above.
  4. Click Add or Import Recipients.
  5.  Check the box next to the Recipient(s) and click Save.
  6. Alternatively, you may add or import new recipients.
    • Click Add Recipients to add recipients as described above.
    • Click Upload Recipient File then click How to Import to access ACH Import Instructions.

Still have questions? Download our complete user guide.

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How to schedule an ACH payment:

  1. Log into Business Digital Banking and click Manage ACH.
  2. Click Templates.
  3. Find an existing template or create a new template as described above. Click Schedule.
  4. Choose a frequency from the Occurs dropdown and a Deliver by date from the dropdown calendar.
  5. Click on a recipient to edit the amount to Pay.
    • Click Hold to retain the recipient in the template but to exclude the recipient from this ACH transaction.
    • Click Prenote as applicable.
    • Enter an optional Addendum to be displayed with the transaction.
    • Enter an optional internal Note.
  6. Save changes to any template defaults, if desired, then click Review.
  7. Review the template, then click Submit. Note that the template will require approval before payment is issued.
  8. Click Print if desired, then click Done.

Still have questions? Download our complete user guide.

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How to approve an ACH payment:

  1. Log into Business Digital Banking and click Manage ACH.
  2. Click Approvals.
  3. Type within the search field to find templates to approve, or sort by amount, date, name, or type.
  4. Click on a template to review the template and recipient details. Click Approve or Reject.
  5. To complete an approval, choose a Delivery Method from the dropdown for your validation code, then click Request Code.
  6. Enter the code you received at Verification Code and click Next.

Still have questions? Download our complete user guide.

Business Approve ACH Digital Banking - Long Form Txt

How to define roles and add users

How to define roles:

  1. Log into Digital Banking and click the three-dot ellipsis (…) to access More Links.
  2. From the More Links dropdown menu, click on Manage Users.
  3. Click Roles to define a new role.
  4. Click Add a New Role.
  5. Enter a name for the New Role.
  6. Click Select All Permissions or choose individual permissions you want the new role to have. Permissions include:
    • Account Access
    • External Accounts
    • Transfers
    • Bill Pay
    • Business Remote Deposit
    • Business ACH
  7. Click Create Role.

Still have questions? Download our complete user guide.

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How to add users:

  1. Log into Digital Banking and click the three-dot ellipsis (…) to access More Links.
  2. From the More Links dropdown menu, click on Manage Users.
  3. Click Users to add a new user.
  4. Read and agree to the Terms and Conditions, then click Submit.
  5. Click Add a New User.
  6. From the dropdown menu, choose a Delivery Method for your validation code and click Request Code.
  7. Enter the code you received in the Verification Code field and click Next.
  8. Fill in the New User details:
    • First Name
    • Last Name
    • Title (optional)
    • Phone (optional)
    • Email
    • Username
  9. Click Next.
  10. Choose a previously created Role from the dropdown menu for the new user, then click Next.
  11. Review New User details, then click Confirm.
  12. Click Done.
  13. Provide the new user with the username you chose and let him or her know that an email with a temporary password will be sent to the email address you listed. The new user should log in within 48 hours of receipt of the temporary password.

Still have questions? Download our complete user guide.

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