Business Online is a full-featured online cash management system that is ideal for businesses of all sizes with multiple users. You control the level of access for each user, and you can set up an approval process for each transaction. It’s safe and secure, using multifactor authentication with tokens for ACH, Wires and Remote Deposit Capture.

Account Information

  • View account balances and transactions in real time – including transactions posting today
  • Export to accounting software
  • View check and deposit images, including deposited items
  • Transfer funds between accounts, including external accounts

ACH Information

The Automated Clearing House (ACH) is a secure payment transfer system that connects all U.S. financial institutions. It enables the efficient movement of billions of dollars each day to and from accounts. ACH is the way in which common transactions like direct deposit of payroll and social security checks, consumer payments like mortgages and insurance premiums and other electronic payments and deposits are made. ACH Manager is integrated with Business Online and offers a secure and simplified process for originating ACH transactions.

  • Payroll
  • Accounts receivable – debits
  • Accounts payable – credits
  • State and Federal tax payments
  • Ability to establish templates
  • Security access controlled by the customer
  • Tokens are used for multifactor authentication
  • Ability to set up a review and approval process

Remote Deposit Capture

RDC is integrated with Business Online. It enables businesses to deposit checks remotely by running them through a scanner.

  • Deposits are processed and memo posted every 2 hours.
  • Access controlled by the customer.
  • Tokens utilized for multifactor authentication.
  • Can generate reports and view items.
  • Can set up a review and approval process.


  • Save time and money
  • Secure - three levels of authorized users with dual control features.
  • Schedule recurring payments.
  • Link the invoice and any credit memo information with payments.
  • Electronic payments are delivered within 2 days.
  • Payments by check are delivered in 5 days.
  • Payments may be scheduled up to 365 days in advance.
  • Receive and pay eBills.


  • Convenient and safe. Don’t miss a bill again!
  • eBills are delivered electronically to Online Bill Pay, but can be printed if necessary.
  • Pay online or choose auto-pay.
  • eBills remain online for six months after their arrival date.
  • You’ll receive payment reminders via email if new eBills are not viewed within four days of delivery.

POSITIVE PAY (Fraud Prevention)

Positive pay helps reduce the risk of fraudulent activity on your accounts by identifying unauthorized transactions before final payment is made. The service is delivered through Online Banking.

  • A "checks issued" file is sent to the bank each day.
  • As checks clear, the dollar amount and check number are verified against the file
  • Suspicious items are delivered to you for review via Online Banking. You make the final pay/no pay decision.

Merchant Services

Point-of-sale transaction processing for your business. Process debit and credit cards, contactless, Apple Pay and Android Pay. Use your mobile phone or tablet. Accept payments online. We can provide the complete store, a shopping cart, and a secure checkout page.

Debit Mastercard Business Card ®

Convenience, control and confidence. Enjoy increased purchasing flexibility plus built-in tools and benefits to help you better manage cash flow and record keeping, so you can devote more of your time to what you do best.  You’ll be protected from identity theft and unauthorized payments with monitoring and alerts 24/7/365.

Other Services

  • eAlerts – notification is sent when certain events occur, such as low balance, transactions and deposits over a dollar amount, etc.
  • eStatements – An electronic statement is delivered via Online Banking. You will receive notification when the statement is ready for viewing. You can view and print statements, checks, deposits and deposited items. You can also download and store statements to you PC. Enroll for eStatements through Online Banking.

Deposit products offered by Iroquois Federal Saving and Loan. Equal Housing Lender Member FDIC. Member FDIC.

Insurance Products/services available through Iroquois Insurance, a subsidiary of Iroquois Federal.

Not a Deposit • Not insured by FDIC or any other governmental agency • May Lose Value • Not guaranteed by Iroquois Federal • Subject to risk

© 2020 Iroquois Federal Savings and Loan

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