Business Online Banking

Which product is right for me?

Towne-Biz is designed for the small business owner who needs regular access to both your business and personal accounts.  Towne-Biz allows a business owner to view balance and transaction history including check images, transfer money between accounts, and view both business and personal accounts in one place. Learn more about Towne-Biz.

Towne-Biz Plus provides access for business users who need the ability to add multiple users and access to cash management services. We recommend Towne-Biz Plus for non-profit organizations to ensure that the organization’s accounts will always remain independent of any personal accounts by officers within the organization. In addition, should roles change within the non-profit organization, it is much easier for the non-profit’s online banking manager to grant or remove users. Learn more about Towne-Biz Plus.

How do I enroll for Towne-Biz?

Before enrolling in Towne-Biz you must first have an account with TowneBank. For information on opening a new account, please contact your hometown banker. You may also want to ensure that we have your most recent contact information on file as we will use that information to verify your identity.

To enroll in Towne-Biz visit our online enrollment form and fill in all of the fields. If the information you provide matches what we have on record you should receive a notification within one business day notifying you that you may access your accounts through Towne-Biz. In order to protect your security, if the information we have on file does not match what you provide on the enrollment form it may delay your enrollment.  

How do I enroll for Towne-Biz Plus?
You can enroll in Towne-Biz Plus by filling out our online form. You will need the following information for your online banking manager in order to complete the form:

a. First and Last Name
b. Email address
c. User ID
d. Phone number
e. Date of birth
f. City of Birth

You may also include up to 5 related or affiliated companies to your profile during the enrollment process. To do this, you will need to include both the business name and TIN#.

Once you have completed the enrollment form, you will need to print and have a company officer sign the Service Agreement form which is provided after you ‘submit’ the enrollment form. Mail the signed Service Agreement form to:

TowneBank
Towne-Biz Plus Enrollment
6001 Harbour View Blvd.
Suffolk, VA 23435

Once the signed agreement is received, we will contact you within 1-2 business days to provide you with login information for your account(s).

Who can enroll in Towne-Biz?

TowneBank business owners with a checking, savings, CD or loan account may enroll in Towne-Biz. For information on opening a new account, please contact your hometown banker.

How do I enroll for Towne-Biz?

Before enrolling in Towne-Biz you must first have an account with TowneBank. For information on opening a new account, please contact your hometown banker. You may also want to ensure that we have your most recent contact information on file as we will use that information to verify your identity.

To enroll in Towne-Biz visit our online enrollment form and fill in all of the fields. If the information you provide matches what we have on record you should receive a notification within one business day notifying you that you may access your accounts through Towne-Biz. In order to protect your security, if the information we have on file does not match what you provide on the enrollment form it may delay your enrollment.  

Can I view my personal and business accounts together?

Yes, business owners can view both your personal and business accounts together when using Towne-Biz.  

If you have a business account and would like to see it in online banking, please log into Towne-Biz, click on 'Support' and send a secure email containing the business name, account number(s) and Tax ID#. 

If you add a new personal account after you establish your online banking access, the new personal account will be automatically visible within online banking.

I already have access to my business accounts in Towne-Biz. How do I add my personal account or an additional business account?

If you already have online banking access, you may add your business accounts, by logging into Towne-Biz, then click on 'Support' and send a secure message containing the business name, account number(s), and Tax ID# for that account. 

If you do not already have online banking access enroll here.

What if I forget my password?

If you forget your password simply click on the ‘Forgot Password’ link. You will then be prompted to select a phone number that’s already registered to your account
where you can receive a text message. You will also be asked to enter your user name. Then select ‘Send me a new password’. 

A new password will be sent via text to your registered mobile phone. After you enter this temporary password into the corresponding field, you will be asked to change your password. Please use a combination of letters, numbers and special characters that is at least 6 characters in length. 

For your security, we will also send you an email to notify you that you have requested a temporary password. If you receive this email and did not request a temporary password please contact us immediately at 844-638-6714.

Why am I prompted for a code upon login?
We use enhanced multi-factor authentication to provide an additional layer of security to make it more difficult for fraudsters to access your accounts.

This enhanced protection uses both your password and a one-time verification code that you receive outside of online banking through text, voice phone call, or email to access your account. Even if a fraudster managed to steal your password he or she would be unable to access your account without your registered device or a one-time verification code sent only to your pre-determined phone number or email address.
I thought I registered my computer, but I’m still prompted to get a code. What do I do?

More than likely you have not enabled your browser to allow cookies.  To avoid receiving a code in the future, you must enable your browser to allow cookies and then register your computer. If you are having trouble changing this setting in your browser our eChannel Support team can help you Monday-Friday from 8:30 a.m. - 6:00 p.m. They are available by phone at 844-638-6714. Or use the steps outlined below:

Google Chrome
Step 1: Click on the three stacked lines on the right side of the screen and select 'Settings'.
Step 2: From the 'Settings' menu select 'Show advanced settings' at the bottom of the screen.
Step 3: From the 'Privacy' menu select the 'Content Settings' button.
Step 4: Select the following from this page:

  • Cookies - Allow local data to be set (recommended)
  • JavaScript - Allow all sites to run JavaScript (recommended)
  • Pop-ups - Do not allow any site to show pop-ups (recommended)

Safari
Step 1: Click on the 'Safari' menu in the top left hand corner.
Step 2: Click on 'Preferences'.
Step 3: Click on the 'Privacy' icon.
Step 4: The option to 'Block Cookies' should be set to 'Never'.

Internet Explorer
Step 1: Click on 'Tools'
Step 2: Select 'Internet Options'
Step 3: Click on the 'Privacy Tab'
Step 4: Click on 'Advanced'
Step 5: Put a check mark next to 'Override Automatic Cookie Handling'
Step 6: Select 'Accept' for 'First Party Cookies' and 'Third Party Cookies'
Step 7: Put a check mark next to 'Always Allow Session Cookies'
Then Select 'Ok' and 'Ok' to close the 'Advanced Settings'  window.

Mozilla Firefox
Step 1: At the top of the Firefox window, click on the three stacked lines and then click on 'Options'.
Step 2: Select the 'Privacy' panel
Step 3: Set the 'Firefox will:' (dropdown menu) to 'Use custom settings for history'
Step 4: Make sure there is a check mark next to 'Accept cookies from sites'
Step 5: Accept third party cookies to 'Always'
Step 6: Click 'Ok' to close the options window. Then click on 'Close' to close the Preferences window.

I am having trouble accessing bill pay. What do I do?

More than likely you have not enabled your browser to accept third party cookies.  This setting must be changed in order to use bill pay within online banking.  We have provided instructions for popular browsers for your convenience. If you are still having trouble, please contact our eChannel support team at 844-638-6714, available Monday - Friday from 8:30 a.m. until 6:00 p.m.

Google Chrome
Step 1: Click on the three stacked dots on the right side of the screen and select 'Settings'
Step 2: From the 'Settings' menu select 'Show advanced settings' at the bottom of the screen
Step 3: From the 'Privacy' menu select the 'Content Settings' button
Step 4: Select the following from this page:

  • Cookies - Allow local data to be set (recommended)
  • JavaScript - Allow all sites to run JavaScript (recommended)
  • Pop-ups - Do not allow any site to show pop-ups (recommended)

Safari

Step 1: Click on the 'Safari' menu in the top left hand corner
Step 2: Select 'Preferences'
Step 3: Select 'Privacy', then do any of the following:

  • Change which cookies and website data are accepted: Select a "Cookies and website' option
  • Always block: Safari doesn't let any websites, third parties, or advertisers store cookies and other data on your Mac. This may prevent some websites from working properly.
  • Allow from current website only: Safari accepts cookies and website data only from the website you're currently visiting. Websites often have embedded content from other sources. Safari does not allow these third parties to store or access cookies or other data.
  • Allow from websites I visit: Safari accepts cookies and website data only from websites you visit. Safari uses your existing cookies to determine whether you have visited a website before. Selecting this option helps prevent websites that have embedded content in other websites you browse from storing cookies and data on your Mac.
  • Always allow: Safari lets all websites, third parties, and advertisers store cookies and other data on your Mac.

Internet Explorer
Step 1: Click on 'Tools'
Step 2: Select 'Internet Options'
Step 3: Click on the 'Privacy Tab'
Step 4: Click on 'Advanced'
Step 5: Put a check mark next to 'Override Automatic Cookie Handling'
Step 6: Select 'Accept' for 'First Party Cookies' and 'Third Party Cookies'
Step 7: Put a check mark next to 'Always Allow Session Cookies'
Then Select 'Ok' and 'Ok' to close the 'Advanced Settings'  window

Mozilla Firefox
Step 1: At the top of the Firefox window, click on the three stacked lines and then click on 'Options' and a new tab will open
Step 2: Select the 'Privacy' panel
Step 3: Set the 'Firefox will:' (dropdown menu) to 'Use custom settings for history'
Step 4: Make sure there is a check mark next to 'Accept cookies from sites'
Step 5: Accept third party cookies to 'Always'
Step 6: Close the 'Options' tab

What is FinanceWorks?

FinanceWorksTM is a program within Towne-Personal/Biz that allows you to view transactions from accounts you hold at other banks, credit unions, credit card companies or investment firms. By using FinanceWorksTM you can get a holistic view of where your money is going. The tool also allows you to set up budget goals and alerts to monitor your money, all from one place.

To get started, you must first login to Towne-Personal/Biz. From the online banking home screen you can access FinanceWorksTM in one of two ways.

Option 1
For first time use of FinanceWorksTM you should see two charts at the bottom of the Account Summary screen within online banking labeled 'Outside Accounts' and 'View Spending'. Simply click on the 'Get Started' link in either chart, read through the terms and conditions and if you agree select 'I Accept'. Then you're ready to start adding your accounts.

Option 2
You can also access FinanceWorksTM through the 'Manage Money' tab on the main menu within Towne-Personal/Biz. Hover over 'Manage Money' and from the drop down menu and select 'FinanceWorks'.

What can I do to protect my accounts while I’m banking online?

While the bank employs technological safeguards, there are many things you should do to protect yourself while banking online:

  • Use a strong password and memorize it. Try to avoid using readily available information for passwords such as names, birthdays, or your address. Additionally, you should memorize your password and never write it down anywhere or reveal it to anyone.
  • Set a reminder and change your password regularly. 
  • Remember to logout. You may not always be at your own computer when you bank online, so it's important to logout when you've finished banking. If you forget to do so, our system automatically logs you out after 20 minutes of inactivity.
  • Use your browser's built-in security features. Choosing certain security settings and options will help protect the privacy of your accounts and personal information.
How do I enroll for Towne-Biz Plus?
You can enroll in Towne-Biz Plus by filling out our online form. You will need the following information for your online banking manager in order to complete the form:

a. First and Last Name
b. Email address
c. User ID
d. Phone number
e. Date of birth
f. City of Birth

You may also include up to 5 related or affiliated companies to your profile during the enrollment process. To do this, you will need to include both the business name and TIN#.

Once you have completed the enrollment form, you will need to print and have a company officer sign the Service Agreement form which is provided after you ‘submit’ the enrollment form. Mail the signed Service Agreement form to:

TowneBank
Towne-Biz Plus Enrollment
6001 Harbour View Blvd.
Suffolk, VA 23435

Once the signed agreement is received, we will contact you within 1-2 business days to provide you with login information for your account(s).

How do we designate a new Online Banking Manager for Towne-Biz Plus?
TowneBank requires an updated version of the Online Banking Service Agreement. The most efficient way to do this is to complete the Towne-Biz Plus enrollment process with the new user’s information. Existing users’ access will not be affected.
How do I add accounts to my Towne-Biz Plus profile?
When you enroll we ask that you list all of the accounts you’d wish to see within online banking on the enrollment form.

If you open new accounts after your initial Towne-Biz Plus enrollment and the new account is under the same Tax ID# as the account listed on the original enrollment form then your accounts will automatically be added to Towne-Biz Plus. However, if you open a new account under a different business name and/or Tax ID# and wish to see it in your current Towne-Biz Plus login then you must contact eChannel Support at 844-638-6724 so we can add it for you.

Which of my accounts can I view online?
You can view the following TowneBank accounts within online banking:

1. Checking
2. Money Market
3. Savings
4. Loans
5. Certificate of Deposit (CD)
How do I use the 'Forgot Password' feature?

Users who forget their password can reset it using security questions. Simply select the 'Forgot User Password' link under the login button. Answer your pre-established security questions, and follow the prompts to create a new password.

How do I establish my security questions for the 'Forgot Password' feature?

Users must proactively set up security questions in order to use the 'Forgot Password' feature. Otherwise, Online Banking Managers will need to reset passwords for them. Users can establish their security questions by selecting 'Maintain Security Questions' from the 'Administration' menu in Towne-Biz Plus.

Can I use the 'Forgot Password' feature if I'm locked out?

If a user is locked out of Towne-Biz Plus due to too many invalid login attempts, their Online Banking Manager must unlock them. If the Online Banking Manager is locked out of their account, then the Online Banking Manager must contact TowneBank eChannel Support by phone at 844-638-6724. 

When do funds leave my account?
TowneBank uses three bill payment types: electronic, single check and draft check. For recipients who are not set up to receive electronic payments as we send them, a paper check is sent by US Mail. If it is a single check, you will get debited for the payment on the scheduled date. If the payment is sent by draft check your account will be debited when the recipient negotiates the check.
Can I schedule a recurring payment or transfer?
Yes, you can schedule a repeating payment or transfer. Transfers cannot be scheduled to occur on weekends or bank holidays. A repeating transfer that is scheduled for one of those days will be moved to the following business day.
How do I set up an additional bill pay user in Towne-Biz Plus?

You must first have the user set up in Towne-Biz Plus with bill pay enabled.

Log in to Towne-Biz Plus and navigate to ‘Payments and Transfers’. Then select ‘Bill Payment’.


Select ‘Administration’

Towne-Biz Plus Bill Pay

Select ‘Add Authorized User’

Towne-Biz Plus Bill Pay

Fill in the fields with the new user’s information, not your information

Towne-Biz Plus Bill Pay

You will need to create the user ID and password for your authorized user. The first time your new user goes to bill pay the system will ask them to enter in their user ID and password. After their initial login, they will no longer be prompted for this information.

Towne-Biz Plus Bill Pay

After verifying all of the information is correct, select ‘Add User’. Finalize the setup by selecting ‘Finish’ on the following screen.

How do I set up an additional bill pay user in Towne-Biz Plus?

You must first have the user set up in Towne-Biz Plus with bill pay enabled.

Log in to Towne-Biz Plus and navigate to ‘Payments and Transfers’.  Then select ‘Bill Payment’


Select ‘Administration’
Add Bill Pay User

Select 'Add Authorized User'

Biz Plus Bill Pay Add User

Fill in the fields with the new user's information, not your information

Biz Plus Bill Pay Add Another User

You will need to create the user ID and password for your authorized user. The first time your new user goes to bill pay the system will ask them to enter in their user ID and password. After their initial login, they will no longer be prompted for this information.

Biz Plus Bill Pay Create User ID and Password

After verifying all of the information is correct, select ‘Add User’. Finalize the setup by selecting ‘Finish’ on the following screen.



What is an ACH transaction?

The most common use of ACH for business owners is direct deposit of payroll. Not only can ACH be used to pay bills but they can also be used for a business to collect due funds from clients. TowneBank is pleased to offer this service to our members through Towne-Biz Plus, but credit approval applies. Contact your hometown banker for more information

What is the difference between an ACH and a wire?

A wire is a real-time method of transferring immediate funds and supporting information between two financial institutions. An ACH is similar to a wire transfer only it uses a batch-process. Transactions received by the bank are processed in batches and funds are not available in the beneficiary account until the effective date.

Can I send ACH and wires in Towne-Biz?

No. If you need to initiate ACH and/or wires we recommend that you use Towne-Biz Plus for online banking. You may enroll in Towne-Biz Plus online. Contact a hometown banker for information regarding set up for ACH and wire services.

How do I cancel my ACH and/or wire service?

Please contact your hometown banker or contact eChannel support at 844-638-6724. 

Can I add other users with their own access?

In Towne-Biz Plus you can create users with their own User ID and password. In addition, the online banking manager at your company can set parameters for each user.

What is the role of a user administrator?

A user administrator can create or maintenance other Towne-Biz Plus users for your company. You may have more than one user administrator for your company, however, the user administrator cannot be the same person as the online banking manager. Please note that user administrators cannot perform functions such as unlocking an account for other user administrators. Instead, if a user administrator becomes locked out of Towne-Biz Plus, the company's online banking manager must unlock the account. 

When are online statements available?

Generally online statements are available by the second business day of the month. If month end falls on a weekend or holiday, then the online statement is generally available the following business day.

What is the advantage of getting my statement electronically?

This is a complimentary service that allows you to see up to two years of information. Electronic statements also eliminate the need to receive information through the mail, which can easily be intercepted by fraudsters. Additionally, if you eliminate paper statements, you won't have additional documents to file and store.

Can I export my online statement?

You can save online statements to your computer as a .pdf file. However, online statements cannot be imported into financial management software.

How do I turn off my paper statements?

The online banking manager is the only user with the ability to turn off paper statements for the company. To do this, you must first log into Towne-Biz Plus, then go to 'Online Statements' and select 'Suppress Paper Statements' from the drop down menu. From there, simply fill out the form and select the checking and/or savings accounts you'd like to turn off receiving paper statements for. NOTE: At this time you may only turn off statements for checking and savings accounts.

Can I export account information to Quicken or Quickbooks?

Yes. You can export account information into Quicken or Quickbooks from Towne-Biz Plus. If you need assistance please call our eChannel Support team at 844-638-6724. 

What versions of Quicken or Quickbooks does TowneBank support?

We support the current version of Quicken and Quickbooks. In addition, we also support previous versions, up to two years.

FinanceWorksTM is a registered trademark of Digital Insight.

Quicken and Quickbooks are registered trademarks of Intuit Inc.

Need Help?

eChannel Support is available
M-F 8:30 am - 6:00 pm
 

Toll Free Phone Numbers
Towne-Biz    844-638-6714
Towne-Biz Plus   844-638-6724  


Account Questions? Contact your
hometown banker.