FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Business Online Banking

Powerful tools for managing your business finances

 

Monterey County Bank’s Business Online Banking is designed to help business owners manage cash flow, monitor activity, and keep operations running smoothly—all with the support of a trusted local banking partner.

 

Our secure digital platform gives you visibility and control, so you can focus on growing your business.

What you can do with Business Online Banking

  • View balances and transaction history in real time
  • Access business checking, savings, and loan accounts
  • Download statements and account activity for recordkeeping
  • Transfer funds between business accounts
  • Move money between Monterey County Bank and external accounts
  • Schedule recurring or future-dated transfers
  • Pay vendors and service providers electronically
  • Schedule payments in advance
  • Track payment history and outgoing cash flow
  • Assign user access based on roles and responsibilities
  • Maintain oversight while delegating tasks
  • Enhance internal controls and accountability
  • Set alerts for balances, transactions, and payment activity
  • Monitor account activity for greater visibility
  • Stay informed with customizable notifications

Built with security in mind

Business Online Banking includes multiple layers of security to help protect your business accounts and sensitive information. From secure authentication to continuous monitoring, we’re committed to safeguarding your financial data.

Best practices:

 

  • Assign appropriate access levels to users
  • Review account activity regularly
  • Use strong passwords and update them periodically

Treasury Services integration

Enhance your Business Online Banking experience with Monterey County Bank’s Treasury Services—designed for businesses with higher transaction volumes or more complex cash flow needs.

 

Available Treasury Services include:

 

  • Remote Deposit Capture for convenient check deposits
  • ACH Origination for electronic payments and collections
  • Positive Pay for check and ACH fraud prevention

 

Our treasury management team will work with you to determine which services are the right fit for your business.

Enrollment & support

  1. Enroll with assistance from our business banking team
  2. Set up users and access controls
  3. Start managing your business finances online

Our local business banking specialists are available to guide you through setup and answer any questions along the way.

Business banking backed by local expertise

With Business Online Banking, you get modern digital tools paired with the responsive, relationship-driven service Monterey County Bank is known for.