Business Banking Technology Upgrades

Faster and Easier Ways to Move and Manage Money

Whatever you need to do – whether you’re a small business, nonprofit organization or large company – Bell’s business banking technology upgrades allow you and your organization to bank online more efficiently, and more often on mobile if you choose.

Along with our platform upgrades, we've changed from a physical token to a digital token for transaction authentication, adding convenience while maintaining best-in-class security. All you’ll need to do as a designated user is download the digital token app on your mobile device. Download Digital Security Token and Credential Instructions here.

Banking’s a part of your life. We want to make it the easy part.

  • Online Banking
  • Bill Pay
  • Account Analysis
  • Loan Payments
Will my username and password change?
Your username and password may change, and your first-time login experience will vary depending on if you have linked a digital security token to your username.
Where do I go to log in?

You will log in on the Bell Bank home page by choosing “Business” in the “Access online accounts” area. If you select “Personal,” you will still be able to access online banking; however, some screens, such as the password change screen, may look different.

How do I use my digital security token?

Your digital security token (also called a soft token) will serve as two-factor authentication at login (if you log in from an unrecognized device or browser). It will also be required for authorizing online payments. Download the soft token app now and let us know the credential ID assigned to you through the app, so we can link it to your profile.

How can I let you know my credential ID from the security token?

The fastest and most secure way to communicate your credential ID is by logging into your current online banking (treasury online) and sending us a secure message. Download Digital Security Token and Credential Instructions here.

Will my digital security token app work when not connected to the internet?

Yes. The security token app will work when not connected to the internet.

What if my company does not want users to download the digital security token app?
By request, hand-held physical tokens can be assigned and sent to a company through certified U.S. Mail, which requires a signature for delivery. Contact us at 866-221-1136, option 3 to order. Allow a minimum of 5 business days after your request to receive hand-held physical tokens. A fee for each hand-held security token may apply.
When will I convert? What will this look like?

Starting Monday, October 11, you will be able to access our new system.

Will all users for our company be converted?
Unless notified otherwise, all active System Managers will convert. Only active System Users who have accessed the current online banking platform in the past year will convert.
What information will be converted, and is there anything I should know?
To prepare for the conversion, review your online profile now to confirm that information such as email addresses, phone numbers, security question and answer, and company address is all correct. If you are a system manager or have administrator authority, review system users and deactivate anyone who is no longer with your company. You will need to make any changes in the new system starting October 11.
Will I need to download a new mobile app?

If you are currently using the Bell Bank Treasury app, you will want to delete that app and download the Bell Bank Mobile app on October 11. If you are currently using the Bell Bank Mobile app because you are using both online banking platforms, you are good to go.

Can I initiate an ACH or wire from Bell's mobile app?
Yes. You will be able to initiate and approve wire transfers conveniently via the mobile app or desktop.
Will my ACH and wire templates transfer?

Yes. Wire and ACH templates will transfer to the new platform, and all receivers set up by October 4 will move and be referred to as beneficiaries. Changes you made after October 4 will not be reflected. You should review all templates for accuracy before initiating your first payments.

Will my payment instructions for recurring ACH and wires automatically continue?
Your recurring ACH and wire payment instructions will continue on the treasury platform momentarily after the system upgrade, and we will work with you to cancel them on the old system and set up the exact same transfer on the new system.
Will all System Managers and System Users have access to their ACH and wire templates automatically?
If you are a System Manager, you will have access to all templates automatically. If you are a System User and have access to all templates, you may have access to all templates automatically. If you are a System User who only has access to certain templates, your System Manager will need to grant you access to the templates you need.
Will I have access to the same services as before?
Yes. You will have access to all the same treasury management services as before – with new and improved functionality. 
Can I continue to place stop payments on checks online?

Yes. You will be able to place stop payments, view previously placed stop payments and cancel any stop payments.

Will I be provided training on the new system?
Yes. There are a variety of training resources – including tutorial videos, quick guides and FAQs – available to help you start using the new features in mobile and online banking for your business.
How long will both systems be available?
Both systems will be operational through the first quarter of 2022. Please note, while you could access your profile on the “old” system once you upgrade, you will not have access to any services after November 2021, and inquiry-only access will go away early in 2022.
Will positive pay be changing?
Yes. You will have an improved user experience with positive pay. You will be able to add issued checks and communicate decisions for check exceptions through online banking. This functionality, as well as all the robust features are you used to using today, will also be available with the same familiar look and feel you have today. Look for “Positive Pay” in the left-hand menu.
Can I approve positive pay from the Bell mobile app?
Yes, you will be able to make decisions on positive pay exceptions from the Bell mobile app.
Can I receive a text message to notify me about positive pay exceptions?
Yes. Text message notifications about positive pay exceptions are a new feature you will be able to use.
Can our company have both remote deposit and mobile deposit on the same profile?
Yes. Your company will have mobile deposit as a feature, and you will be able to enroll in remote deposit as a treasury management service on the same profile, with only one user name per individual.
Will my daily limits on ACH/remote deposit/wires stay the same?

Yes. All of the limits will stay the same, although the way limits work with remote deposit will change and be adjustable at a user level.

Will I still be able to contact the bank through secure message in online banking?
Yes. You will be able to communicate through secure message to request temporary limit increases, make online banking requests, link a credential ID to your user name and much more! Look for “Messages” in the left-hand column. We will continue to respond to your secure messages within 15 minutes as we do today.
Who do I reach out if I have further questions?

Contact our digital services team at 866-221-1136 and choose option 2 (technical support) to learn more.

 
Frequently Asked Questions – for Dual Users

When will the new platform allow me to have a higher mobile deposit limit?
If you have a higher mobile deposit limit in treasury online, this limit will be updated in the Bell Bank Mobile app in September, and will also be available in October with your new username.
Will I need to take action to avoid disruption to my automatic file downloads with QuickBooks or Quicken?
Yes. You will be required to update your connection in October to your new username. Watch for more information coming soon to guide you through when and how to deactivate and reactivate your connection.
I use the same username today in business and treasury. Can I keep this username?
For a period of time in October, you will have two usernames assigned. The first username is the one you’re using today in business online, and the second will be a new username assigned to you in October. You may change your usernames for either profile at any time while you are logged into business online banking.
How long will I have access to both usernames in business online?
After you receive your new username for business online in October, your other username will remain active for 30 days. We want to allow you the time necessary to transition your existing activity, including scheduled transfers, email or SMS alerts, text banking and connectivity to QuickBooks or Quicken.
Will I still be able to access my mortgage account with the new username?
Yes. You will be able to access your mortgage account with the new username in business online. We will be adding the account after your new username is created.

Business Bill Pay

As a business, you want true control of your finances, total convenience on your schedule, and customization to do things your way. Our upgraded business bill pay platform gives you all of this – and that’s just the start! You can:

  • More quickly and easily control which bills and invoices are paid, how much is paid and when they are paid.
  • Easily set up one-time or recurring payments, and pay multiple invoices at once.
  • Customize activity tracking, reports and history with just a few clicks.
  • Customize remitter name by company or account, whichever you prefer.
  • Enjoy enhanced user entitlements managed by you, not the bank.
  • Easily originate bill payments from a mobile device.
  • Upload a file with payee names and bills you would like paid.

 

Frequently Asked Questions

Will all of my scheduled payments and payees transfer to the new system?

Yes, all of the scheduled payments and payees will be available on the new system.

Will my payees have a default account associated with them after conversion to the new system?
The conversion program will look to see which of your accounts has the most payments scheduled to pay out and will select that as the default account. If multiple accounts have the same number of payments scheduled to pay out, the conversion program will randomly select the default account. You will be able to change the default account through Online Bill Pay or set a default account at the payee level.
Will I be able to have multiple remitter names?
Yes, you will have a self-service option to control remitter names.

Will I be able to enroll in eBills?

You will have opportunity to enroll in eBills on the new system. eBills is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Online Bill Pay accounts. eBills, as it is currently set up, will not transfer to the new system. 

Why should a small business use the new Online Bill Pay rather than personal bill pay?
Bell’s upgraded Online Bill Pay (coming soon!) was designed specifically to meet the needs of today’s small businesses. In addition to making payments, you can run customized reports, delegate tasks and set permission controls. It all adds up to giving you more resources you need and more time to focus on your business.
How are online payments delivered?
Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.
How long does it take before a payment is received?
Generally, your payment is received within 2 to 7 days, depending on whether it is sent electronically or via paper check.
What are the primary benefits of Online Bill Pay?
The major benefits are true control and total convenience for you. This means you’ll be able to:
  • Pay your business’s bills and view payment activity anytime, anywhere.
  • Delegate the payment responsibilities you want to.
  • Set permission controls so you maintain the final say.
  • Quickly run customized reports with the information your business needs.
  • Reduce your paperwork and bookkeeping.
  • Maintain more control over cash flow.
  • Increase your security over mailing checks.
Does Online Bill Pay have Quicken/QuickBooks integration?
Yes. You can import payees from Quicken or QuickBooks directly into your Online Bill Pay account.
Will I be able to set up payment reminders?
Yes, you will be able to set up your own customizable payment reminders. To account for differences in payment methods between the current and the new system, payment reminders will not transfer over and will need to be set up again.
Will my bill pay history transfer over?
Yes, you will have access to the last 6 months of your bill pay history.
Will there be a period of time where I will not be able to access bill pay?
Yes, there will be a period of approximately 5 business days (October 4 – 8) where access to bill pay will not be available. Any payments scheduled for this period of time will still process without interruption. We will work with you during this time if you need to schedule additional payments or make changes to any existing payments/payees.
Will I be able to choose my own check numbers?
Yes, you will be able to choose your own check numbers.


Need Help?

Contact digital services for technical support at 866-221-1136.

Account Analysis

Commercial account analysis saves your company money by offsetting fees and service charges by maintaining compensating balances. With our upgrade:

  • Analysis charges will be billed and debited to your account on the 8th business day of the following month, rather than the last day of the month.
  • Your account analysis statements will have an easy-to-read new look and feel and easily accessible from online banking.
  • Service descriptions have been standardized and grouped by products to make it easier to understand the activity associated with your accounts. We will now be able to support consolidating all of your accounts into a single statement to reduce documents and show all volumes across your relationships with Bell Bank.
  • We have included monthly trending at the end of your statement so you can compare activity over time.

Frequently Asked Questions

Why are you changing the date my account is debited to the eighth business day of each month?
To make it easier for you to manage your account, and preclude balance changes as a result of a debit to your account on the last business day of each month.
Can I still access my account analysis statements online?

Yes, you will still be able to access your account analysis statements online. They will be available for viewing as of the eighth business day of each month.

Is my pricing changing?

No, we are taking steps to ensure all your current pricing remains in place.

Will my account analysis statement still show all the volumes and per-item pricing?

Yes, we will continue to provide the service description, volumes, unit pricing and overall changes in a statement that is much easier to read.

Is there a reference guide for me to understand the changes to the account analysis statement?
Yes, we have developed an account analysis statement reference guide to describe each section of the new statement format.


Need Help?

Contact your treasury management officer or call our digital services team at 866-221-1136 and choose option 2.

Business Loan Payments

Manage your commercial (non-mortgage) loan payments, all in one place. (If you have a mortgage serviced at Bell, we’re upgrading our mortgage payment platform, too.) With the upgrade, you’ll be able to:

  • Manage your commercial loans from the “Loan Payments” screen.
  • Navigate easily on desktop or mobile.
  • Easily create and change one-time and recurring payments.


Frequently Asked Questions

Will my recurring/scheduled transfer still occur?
All authorized pending transfers will continue to process as normal. You can edit or cancel an existing pending transfer or series at any time by going to the Online Activity page.
Will my future dated transfer still occur?
Yes, all existing pending transactions will process as authorized.


Need Help?

Contact your commercial banking officer or call our digital services team at 866-221-1136 and choose option 2.