For Business & Commercial Banking Products & Services
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Business Online Banking provides Rabobank, N.A., (the Bank), customers with Internet access to checking, savings, certificates of deposit (CDs) and loan accounts, in real time, 24 hours a day, 7 days a week.
Depending on the type of account, customers may have access to the following functions:
View checking, savings, loans and CD account balances.
•Account Transaction History
View up to 18 months of account transaction history each time you log on.
Transfer funds between your business accounts at the Bank.
•Online Bill Payment
Pay bills electronically
•Online Bill Presentment
Pay bills with electronic invoices.
•View Check and Deposit Images
View front and back images of checks that have posted to your account and view an image of your deposit slip as well as deposit off sets.
Initiate stop payment requests in real time.
Reorder checks directly through the internet.
•Account Information Download Capability
Import data into Business finance programs such as Quicken or Quickbooks.
Receive alert messages for account balances, transactions and secure messages.
Receive, view, and download full images of your statements
View your Rabobank credit card account information.
Send same day transfers.
Minimum system requirements include:
•Microsoft Windows XP
•Macintosh OS X
•Internet Explorer 7
•Apple Safari 4
•Mozilla Firefox 3
Browser must support 128-bit encryption and have the following functions enabled:
•You are responsible for all hardware, software, and connections required to use this service
•For security reasons, you should keep your browser and operating system up to date with recent updates and security patches
We highly recommended you install a Business firewall and anti-virus software with your internet connection to protect your data.
The terms, conditions and fees that have been separately disclosed to you in the Bank's Understanding Your Deposit Account Agreement & Disclosures and the Bank's Business Online Banking Agreement & Electronic Funds Act Disclosure will continue to apply to your account(s) and to your Business Online Banking service.
Sole Proprietors (Using own personal SSN)
A: Sole Proprietors (using their personal SSN) may enroll in Business Online Banking from www.rabobankamerica.com.
1.Verify that your computer meets the minimum system requirements.
2.Go to the Sign up page for Business Online Banking. You will be led through a quick enrollment process. Once complete you will have immediate access to Business Online Banking.
For additional functions (e.g., wire transfers and bill pay) a separate application may be required. Please contact your branch of account for assistance.
Non-Sole Proprietor Businesses
May enroll in Business Online Banking by accessing the online application from www.rabobankamerica.com
To use Business Online Banking, customers must have at least one business deposit account with the Bank which may include the following types of accounts: Checking, Savings, Loan, or a Certificate of Deposit. Accounts with certain restrictions, such as requiring two signatures, cannot be accessed through Business Online Banking.
The Available Balance includes current day pending transactions, but may not represent all activity that will clear your account today. This balance also includes Personal Reserve Account available credit and may include balances from related accounts.
Users with "Administrator" access assigned to the profile can grant partial or complete online banking access to employees on your behalf.
To add a new user:
From the Online Services tab, click the Administration link. Use Manage Roles to establish groups of permissions to assign to users.
Next, use Add a New User, from the Manage Users page to add additional users Note: When adding a new user who does not already sign on an account at Rabobank, please advise the user that they must set up a phone password and password clue with the bank. This allows bank employees to identify the user if they call the bank for assistance .
Setting up a phone password and clue is simple! Please have the user follow these steps:
1. From the Online Services screen, send a secure message with "Security" as the subject.
2. In the body of the message include the password to be used to identify you over the phone and a clue the employee can use to remind you of the password in case you forget.
Remember, only use passwords and clues that would not be easily guessed, known, or obtained by others. For example, we don't recommend using birthdays, anniversary, or mother's maiden name. Rather, use something only you would remember, like your first pet's name or the middle initial of a distant relative.
Password Clue: What's the first sport you ever competed in?
The Business Online Banking system includes extensive online Help contents that are located at the top of each screen. Business Online Banking Please keep in mind that the contents are very broad and that Business Online Banking features can and do change and may not be applicable to all users. Business Online Banking Customer Service is available during regular business hours by calling (800) 942-6222.
Public email transmissions may not be secure. We request that you do not send us or ask for business, confidential, or sensitive information via any general or public email system. You will find secure email capabilities within the Business Online Banking Message Center.
If you are unable to access the system you may send non-secure, general Business Online Banking comments or inquiries to the Rabobank eBanking Department, at firstname.lastname@example.org. We will respond to inquiries within one business day.
You may use the Business Online Banking services virtually anytime and from anywhere that you have Internet access. However, given the unique nature of the Internet, the bank web site may be inaccessible from time to time for business or technical reasons.
The Business Online Banking system gives you current account information in real time. Please Note: While real time balances are always available, certain same day transactions may not be available until the next day.
Credit card transactions are not presented in real time and will display in Business Online Banking on a delayed basis.
POS and other Debit Card transactions may not show until the merchant submits their batch. Depending on the merchant, debit card transactions may be displayed on a delayed basis.
The "Pending" or "Memo" sections reflect transactions that will be posted to your account on the current or next business day, depending on if the transaction was initiated before or after the current business day's cut-off time.
Loans will display for a period of time after they are paid off to give you access to interest information should you need it for tax or other purposes.
The running balance is only designed to appear in more recent transactions.
To find transactions older than 45 days, you can select a date, check number or amount range in the "Past Transactions" section of the Account Activity screen.
The following cutoff times pertain to specific Business Online Banking transactions according to Pacific Time. Transactions received after the cutoff time or on a day that is not a Business Day will be processed the following Business Day.
Transfers between Accounts
REAL TIME PROCESSING - transfers completed after 9:00 p.m. Pacific Time will be posted on the following business day.
To ensure that payment is properly credited to your account prior to the payment due date, please allow at least five (5) business days from the current date for processing and delivering the payment. Remember to allow for weekends and holidays as you schedule payments. The system will display the earliest date that a payment can be credited.
REAL TIME PROCESSING - charges and stop payment will take effect immediately (under most circumstances). Please refer to the Understanding Your Deposit Account Agreement and Disclosure brochure for additional information on Stop Payment requests.
Transfers from Money Market and Savings accounts will count toward the total of six transfers or withdrawals allowed per month as outlined in the Understanding Your Deposit Account Agreement and Disclosures brochure.
The following transfer frequencies are available to you in Business Online Banking:
•Once - The transfer occurs one time on the date of the scheduled transfer.
•Weekly - The transfer occurs every week starting the date of the first transfer (e.g. Jan 1, Jan 8, Jan 15...)
•Every Two Weeks - The transfer occurs every two weeks starting the date of the first transfer (e.g. Jan 1, Jan 15, Jan 29...)
•Twice monthly - The transfer occurs twice each month, once on the same day of the month as the original transfer and once 15 days after that date (e.g. Jan 5 and Jan 20). If the original transfer is scheduled for a date after the 16th of the month, the second transfer date will vary depending on the number of days in the month. For example, transfers set with a date of the 25th will occur on the 10th for months after a 30 day month, and on the 9th for months after a 31 day month.
•Monthly - The transfer occurs on the same date each month, starting the first transfer date (e.g. Jan 1, Feb 1...)
•Quarterly - The transfer occurs every three months, starting the date of the first transfer (e.g. Feb 1, April 1...)
•Twice yearly - The transfer occurs every six months, starting the date of the first transfer (e.g. Jan 1 and July 1)
•Yearly - The transfer occurs on the same date each year, starting the date of the first transfer (e.g. Jan 1. 2011 and Jan 1, 2012)
Transaction data exports are available in the following formats:
•Character Separated (.csv) [Delimiters: Comma, Pipe, Tab, Space]
View up to 18 months of transaction history.
Bill Pay lets you pay your bills online through Rabobank's Business Online Banking system. No more checks to write or stamps to buy. You can pay virtually any company or person, anytime, with just a few quick steps. If you are worried about missing a bill, you can even set up payment reminders or automatic payments. Bill Pay is a quick, secure way to manage your finances online.
To pay your bills online, simply add the companies and people you want to pay.
After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Rabobank Bill Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.
When selecting a pay date from the calendar, the system will display available pay dates in bold. When next day delivery is available, those days will also be displayed. There is an additional fee for next day delivery.
After you pay a bill, depending on the pay date, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
•The Pending Payments section provides a quick summary of the payments that are scheduled for future payment but have not been processed yet.
•The Recent Payments section provides a list of the bills that have been paid in the past 45 days
If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 18 months, including electronic bills and the bills that you pay automatically.
There is a flat fee per month, which includes a set number of payments as part of the fee. For current pricing, please refer to the Schedule of Fees and Minimum Balances.
Other charges may apply though. The terms, conditions, and fees that have been separately disclosed to you in the Bank's Understanding Your Deposit Account Agreement & Disclosures and the Bank's Business Online Banking Agreement & Electronic Funds Act Disclosure will continue to apply to your account(s) and to your Business Online Banking service.
To begin using Bill Pay, please contact the Bank through your secure message feature. We'll add the bill pay service to your profile and contact you when available.
You can pay your bills from your Rabobank business checking account(s). If you have more than one checking account, you may choose which one you want to use for each payment.
You can pay almost any business or individual that you currently pay by check. For example, your gas company, car insurance, doctor and more.
For most bills, we can deliver your payment the next business day. If we send the payment by check, it can take four or fewer days for your biller to receive it. When you enter an amount, Bill Pay automatically displays the earliest date the biller will receive the payment. You can accept this date or change it to a later date.
Yes, you have the option of requesting a check payment be sent overnight to its destination. Bill Pay will display the earliest date the biller can receive the payment using the expedited service, as weekends or holidays can affect the delivery date. Please refer to the Schedule of Fees and Minimum Balances for charges related to this service.
If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits (or cashes) your check.
Payment methods (electronic or check) for bills are determined by the payment system according to pre-set criteria and can not be selected by the customer. The system may change the method of payment at any time which may change when the funds are debited from your account. Be sure to have funds available in your account for any established bill payments to ensure uninterrupted bill pay service.
E-bills are electronic versions of your paper bills that you can receive through Bill Pay. An e-bill comes directly from the biller to Business Online Banking. Many companies offer e-bills, which allow you to quickly see your bill's amount due, due date, and bill details just like your paper statement. Plus, since you are already in Bill Pay, you can make a quick payment right away.
Your browser's security settings are preventing you from accessing online banking. If you are using either the Internet Explorer or Firefox browser, you will need to add personal online banking to your trusted site list. If you plan on using Bill Pay, please see additional information in the question "When I attempt to access Bill Pay, the login page loads where I should see my bill payments. What should I do?"
For Internet Explorer:
1.Go to Tools and select Internet Options.
2.Click on the Security tab.
3.Under Local Internet, set your security level to Medium-high or lower.
4.While still in the Security tab, select Trusted Sites by clicking on the icon with the large green check mark.
6.Enter the Web address https://online.rabobankamerica.com/ and click Add.
1.Go to Tools and select Options.
2.Click on the Privacy icon.
3.In the Cookies section, click Exceptions.
4.Enter the Web address https://online.rabobankamerica.com and choose Allow. Click Close.
The Overview page loads data from many different sources and because of that it will always take a few seconds longer to load than other pages. You can also use the Summary or Activity pages to view your account information. These pages access data from a single source and load quickly.
1.Go to Tools and select Internet Options.
2.Click on the Security tab.
3.Click the Custom Level button.
4.Scroll down until you see the Scripting section. Select the Enable radio button for Active Scripting.
6.Click Yes in the confirmation window.
1.Go to Tools and select Options.
2.Click the Content tab.
1.Go to Edit and select Preferences.
2.Click on the Security icon.
4.Close the Preferences window.
You will need to change your security settings in Safari to accept cookies. If you do not want to lower your overall security settings, the setting will have to be changed back when you are finished using online banking. Because Safari does not offer a customizable security feature, we recommend installing Firefox or Internet Explorer for easier access to Bill Pay.
1.Go to Edit and select Preferences.
2.Click on the Security icon.
3.Next to Accept Cookies, select Only from sites you navigate to (if you do not plan on using Bill Pay) or Always (if you plan on using Bill Pay).
eStatements are the electronic delivery of your statements and notices. They are environmentally friendly as they can replace the current paper statements and notices you receive in the mail.
By making the switch to eStatements, you can:
•Access your financial information 24 hours a day from anywhere you have access to the Internet
•Get organized and reduce the clutter of paper statements
•Print a paper copy of your statement as needed that is the legal equivalent of a mailed statement
•Reduce the risk of mail fraud and identity theft that comes with mail delivery
•Help to protect the environment
There are two ways to access eStatements.
1. You can use the Account Login drop-down menu located on the right side of the www.rabobankamerica.com Web site. Select eStatements and then click on the Go button.
2. You may also access eStatements through business online banking.
Please call customer support at (800) 942-6222 Monday through Friday 7 a.m. to 7 p.m. Pacific Time and Saturday-Sunday 7 a.m. to 3 p.m. Pacific Time.
To sign up for eStatements, you need to have a Rabobank deposit or loan account. You can sign up for eStatements from the home page of our Web site or through business online banking. You will enter the Company Tax ID for the Tax ID. The date the first business account was opened, should be used for the date of birth. If you do not know the date the first account was opened, please call customer support at (800) 942-6222 or send us a message via secure messaging in online banking.
Web site Enrollment
1. Use the Account Login drop-down menu located on the right side of the www.rabobankamerica.com Web site. Select eStatements and then click on the Go button.
2. The sign-on page will open. Click on the link in the sentence "Not enrolled? Sign up now to access eStatements".
3. The system will then lead you through the enrollment process
Business Online Banking
1. Log into business online banking and click on eStatements.
2. From the eStatements page, click on the View eStatement button.
3. The system will then lead you through the enrollment process.
It's free to receive and view statements online.
Yes, you have the option to receive both an eStatement and a paper statement.
Choosing to receive eStatements for an account applies to all account holders. However, when a new statement is available, e-mail notifications will only be sent to the e-mail addresses specified. In order for both signers on a joint account to receive these notifications, the additional e-mail addresses must be added in the Profiles tab or other account holders should enroll separately for eStatements.
Statements and notices become available for viewing within 24 hours of your statement date. An e-mail notification will be sent to you when your statement is ready or you have a notice.
We'll send you an e-mail at the close of each statement cycle or when you have a notice to let you know that your current statement or notice is ready.
If you are not receiving e-mail notifications, there are a few things you should check:
•Sign on and select the Profiles tab
•Make sure your e-mail address is current and correct for each account. If it is, check to see if your e-mail account is filing notifications in your spam or bulk folders. Add Rabobank to your address book to ensure that notifications go to your regular inbox.
Even if you have not received an e-mail notification from us, you can always sign on and view your statements online.
We retain up to 7 years of statement history and 4 months of notices.
When you first enroll, you will have deposit statements available to you from June 2009 on and loan statements from December 2010 on or from the time you first opened the account after those dates.
All statements are in Adobe Acrobat (PDF) format and are exact images of your mailed paper statements and notices. If you have a deposit account, the system also provides access to check images associated with those statements.
Please note: While the loan statement is an exact image of the statement you receive in the mail the payment coupon is different and cannot be used to submit your payment. This is due to a special ink that is used on the payment coupons that allows proper processing.
To view your statements, simply sign on to eStatements, then:
1.On the left side of the screen, click on the account type you wish to access
2.Select the account you want to view from the drop-down menu
3.The current year's available statements will be displayed. For older statements, select the Year link of the statement you are interested in viewing
4.Click on the statement date you wish to view
To view the check images, simply sign on to eStatements, then:
1.Click on the Checks link on the left side of the screen
2.From the drop-down menu, select the account the check was drawn on
3.The most recent month's check images will be displayed
4.For older check images, select the Month or the Year link of the check image you are interested in viewing
While viewing the statement, click on the check number you wish to see an image of.
To view your account notices, simply sign on to eStatements, then:
1.On the left side of the screen, click on E-Notices
2.Select the account you want to view from the drop-down menu
3.The most recent month's notices will be displayed
4.For older notices, select the Month or the Year link of the notice you are interested in viewing
Once you have opened your eStatement, you can print it by selecting the print icon in the window containing the statement.
Once you have opened your eStatement, you can save it to your computer by using the small disk icon in the window containing the statement.
To update your e-mail address, log in to eStatements, then:
1.On the top menu bar, click on Profile
2.In the Delivery Preference section, update the e-mail address for each account
To change how you receive your statements and notices:
1.Sign on to eStatements and select the Profiles tab
2.Under Delivery Preference, change the status for the desired account
We will retain up to 7 years of statement history on a closed account. If you have other business accounts with Rabobank still open, you can continue to access eStatements through Business Online Banking. If the closed account was your only account at Rabobank, you can access the statements through the eStatements site directly. You would use the Account Login drop-down menu located on the right side of the www.rabobankamerica.com Web site. Select eStatements and then click on the Go button.
Customer Care Agents are available by phone:
Personal and Business banking products are offered by Rabobank, N.A. Agricultural products are offered by Rabobank, N.A., Rabo AgriFinance, and Rabobank International. Rabobank, N.A. is a Member FDIC and an Equal Housing Lender. Member FDIC and Equal Housing Lender are not applicable to Rabo AgriFinance or Rabobank International. Online account opening available to residents of California only. © Rabobank 2015. Disclaimer
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