Commercial Online Banking Information

Helpful Guides for Commercial Online Banking

New! Expanded Wire Descriptions

You can view expanded descriptions for International and Domestic wires in Commercial Online Banking.
Up to 90 characters of information will be included in Transaction Detail.
We hope this enhancement helps you to more easily identify and reconcile wire transactions.

Training Resources

To suit your preferred learning style, we have provided multiple training materials on Commercial Online Banking,
helping you navigate its capabilities effectively and efficiently. Below you will find user guides and how-to videos.
In addition, we have added Frequently Asked Questions for your reference.

Recent Upgrades to Commercial Online Banking

Investors Bank made recent upgrades to our Commercial Online Banking digital solutions. Below are changes that you may find helpful:
Users who have installed the Mobile App on their mobile devices can now log in using Fingerprint ID (Android OS), Face ID (iOS, iPhone X or later) or Touch ID (iOS, iPhone 8 or earlier). When logging in to the Mobile App for the first time, you will enter login credentials using your device’s text input function. On the next login, you will have the option to enable biometric authentication for future logins.

In addition to receiving alerts on a scheduled basis, entitled users will now have the option to receive alerts in real-time via e-mail when an account transfer, ACH, and/or wire payment is awaiting approval. Real-time delivery has been added to the following alert types: Payments Awaiting My Approval, Templates Awaiting My Approval, and Approval Window Passed.

Entitled users can now quickly see both the account transfers that need approval (Transfers Awaiting Approval) and the account transfers that were rejected (Transfers Rejected) on the homepage. From the Notifications page, the user can click ‘View’ to see the list of transfers that require approval and transfers that were rejected.

Zero dollar live entry transactions are now supported for Corporate/Vendor and Corporate Trade Exchange Payments. A company might need to send a notification to a vendor without an actual payment, such as additional information related to a prior payment or as a notification of a regular payment not made. This new feature can be selected when creating a payment to enable this kind of transaction.

Users who issue large volumes of checks and need to research the status of those checks on a daily basis now have the ability to retrieve the statuses of multiple, non-sequential checks at once through Check Inquiry. Since serial numbers associated with checks may not always be sequential, users have the ability to quickly type one or multiple serial numbers and retrieve the results. Users can also add more rows to search additional serial numbers. The maximum number of fields that display is also configurable (default is up to 50).

Users who submit a high volume of wires want to be able to update and submit multiple wire payments using a text-based file import, so they do not have to use multiple import file formats. Users can now import a text-based file to generate USD domestic and international payments. 

Users can now also see the name of the import map on the File Imports History widget, so that they can track which map was used when importing a file.

Users can now retrieve up to 14 days of deposit history for RDC transactions within the Mobile App. This information is available for all checks deposited through the Mobile application or through a desktop scanner. Deposit History information is available through the ‘View Deposit History’ menu available under ‘Remote Deposit Capture.’ Each record includes the following information:
  • Status (Deposit Approved or Deposit Rejected)
  • Amount
  • Name (if applicable)
  • Creation date and time

Users will now be alerted via e-mail when payments/transfers cannot be processed because they were not approved prior to the cut-off time. These payments/transfers will be under the ‘Approval Window Passed’ status instead of being under the ‘Approver Rejected’ status.

Entitled users can define which fields in an ACH, Wire or Transfer template can be updated by a specific user when initiating a payment from that template. This configuration provides the user with a greater level of control and segregation of duties when initiating payments from templates. Users can lock a template to prevent changes to the originating account, amount of the payment, or reference fields. Users can also indicate what fields can be modified during payment initiation when creating a template.
The following fields can be locked, by type:

ACH Payments (where applicable):
  • Originator ID (Debit Account and Originator ID are the only fields that are locked by default)
  • Batch Description
  • Descriptive Date
  • Discretionary Data
  • Amount
  • Addenda Code
  • Addenda
  • Hold
Wire Payments (where applicable):
  • Debit Account (Debit Account and Originator ID are the only fields that are locked by default)
  • Customer Reference
  • Amount/Currency
  • Payment Details
  • Bank-to-Bank Details
Loan Payments/Loan Draws/Transfers:
  • To Account
  • From Account
  • Amount
Note: Amount fields can only be locked after an amount has been entered.

When viewing or modifying a payment or template, the Payment/Template History section now displays the full audit history of the item, including the old and new values of fields that were modified. Previously, this historical data was available only within a detailed audit report. You can still print the Payment or Template Audit History Report for the item.

This feature applies to all payment types, including ACH, Wires, EFT, Bill Pay, Transfers, and Loans.

Users may experience difficulty manually creating up to several hundred wire payments a day using the traditional method of data entry. In order to allow customers to move through the application as quickly as possible, the Wire Domestic Multi-Entry option has been created to simplify the way multiple wires are created. In this new workflow, users can create an unlimited number of domestic wires with minimal fields to be typed in.

Today users can add any dollar amount in a template, provided the company has sufficient funds in the account and that the maximum daily limit has not been exceeded. Now, the user can mitigate risk by setting a maximum transaction amount associated with a particular template. Payments may be created from the template up to and including the template’s maximum transaction amount, assuming the maximum daily limit has not been exceeded.

The upgrade includes the transaction date (the date by which the payment needs to be sent to the bank for processing) of any payment (for all payment types) in the Payments List View to accurately perform cash flow management. Now, users can report on payments by transaction date to accurately manage their cash flow on a daily basis.

User Guides

User guides provide a deeper level of detail and are a convenient reference to have handy as you work with the new platform.


ACH File Import – Use a NACHA-formatted file within Commercial Online Banking for ACH processing.  ACH File Import Quick Reference

ACH Payments – Guide for creating ACH payments within Commercial Online Banking. ACH Payment Quick Reference

Alerts Center - This widget configures the system to automatically send alerts when certain conditions occur. Commercial Online Banking Alerts Center

Balance and Transaction Reporting – Receive the information you need based on your accounting preferences for reviewing account details.
Balance & Transaction Reporting Quick Reference


Basic Navigation Guide – This document will help get you started with Commercial Online Banking.  Commercial Online Banking Basic Navigation


Domestic Wire Payments – Helpful guide for establishing wire payments.
Domestic Wire Payments Quick Reference


Fraud and Risk Management - This function allows you to monitor your checks, upload files and review and decision transaction.
Fraud-Risk Management Quick Reference 

International Wire Payments – Helpful guide for establishing wire payments.
International Wire Payments Quick Reference

Recurring Payments and Transfers – This feature allows you to establish recurring activity. Recurring Payments and Transfers


Reports Management – Predefined reports for your banking needs.
Reports Management Quick Reference


Stop Payment – How to process stop payment requests within Commercial Online Banking.  Stop Payments Quick Reference


Transaction Reporting – Quickly receive the information you’re looking for in these easy to build reports. Transaction Reporting Quick Reference


Transfer Management - Ability to create account to account transfers with various options. Transfer Management Quick Reference


User Administration Quick Reference Guide – Establishing Additional Users.
User Administration Quick Reference

How-To Videos


The following videos will introduce you to and help you familiarize yourself with key features and functions of the new platform.
Please check back frequently as new videos are continually loaded.

Accessing the System for the First Time


Creating an ACH template


Importing a NACHA file for processing


Transfer accounts


Processing a Wire Transfer


Processing an Account Transfer


Creating an Alert


Exporting Information from the system


Customizing List View through Display


Adding and Managing Widgets Through Display


Managing a User's Permissions


Creating individual check issues and voids



Creating New Contacts


Placing a Stop Payment


Importing Positive Pay Issue