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Business Internet Banking & Bill Pay:
Beacon’s Business Internet Banking combines the speed, ease, and convenience of round-the-clock online banking with powerful security and monitoring features that give you peace of mind.
Gain more control over your company's financial transactions. With Beacon’s Business Internet Banking, you can manage your bank accounts and pay bills securely 24 hours a day, 7 days a week.
Features and Benefits:
- Access Account Information
- View up-to-date account summaries, account balances and recent transactions for checking, savings, certificates of deposit, line of credit, overdraft, commercial loans and mortgages.
- Checking and Savings accounts reflect up-to-the minute available balances.
- View E-Statements online.
- View images of checks that have been presented for payment.
- Download account transactions to Microsoft Money® or Quicken®.
- Initiate Transactions
- Make transfers between bank accounts without going to the bank - do it from the office, your home office or while on the road.
- Transfer funds between any Beacon account.
- Transfer funds to make a loan or line of credit payment.
- Use our ACH service to transfer funds to/from an account you have at another bank. This service is free for E-Statement subscribers.
- Bill Pay Service
- With our Bill Pay service you can pay virtually anyone, anywhere in the US. There are no checks to sign and you take control of your transactions. Schedule payments immediately, future-dated or on a recurring basis.
- Pay bills electronically or with a physical check.
- Fees
- Currently, Beacon does not charge any fees to use its Business Internet Banking.
- Customer Service
- Beacon has a Customer Service option on its Business Internet Banking that allows you to:
- E-mail any type of inquiry to our Customer Service Department.
- Order a copy of a check.
- View or print E-Statements or recent transactions.
- Make a Stop check request.
- Activate an ATM or Debit Card.
- Modify your account address, phone numbers, e-mail address or password, all online.
- Languages
- Beacon’s Business Internet Banking allows users to switch the language between English and Spanish.
- Minimum System Requirements
- To use Business Internet Banking, you'll need, as a minimum:
- A PC with an Internet connection such as America Online®, CompuServe®, etc.
- A 128-bit browser designed to run on Microsoft® Internet Explorer 5.01 or above, Netscape 7.0, or AOL 5.0, 6.0 and 7.0.
- For Mac OS X users, Beacon’s Business Internet Banking supports Netscape 6.21 and above.
- Security
- Your security is very important to us and while we are constantly upgrading measures to protect you, it is also important for you to take appropriate steps to protect yourself.
- Our Business Internet Banking uses Digital Certificates with 128-bit encryption to authenticate customers. Digital Certificates enable secure and confidential communication between the Bank and you.
- Our Business Internet Banking also uses encryption. Encryption is the process of converting information into a more secure format for transmission. In other words, the plain text is converted to scrambled code while being transmitted, and then decrypted back to plain text at the receiving end of the transmission.
- Currently, there are two levels of encryption generally available in web browsers: 40-bit encryption, and 128-bit encryption. Beacon’s Business Internet Banking requires 128-bit encryption. This is the highest level of encryption generally available in North America today and provides the best protection when transmitting confidential data over the Internet.
- The security padlock at the bottom right of the browser window indicates that a secure session is in progress. Double-clicking the padlock will tell the user the level of security being used by showing the Digital Certificate.
- Each User's username and password are personal to that individual. This helps safeguard against unauthorized individuals accessing a user's Business Internet Banking account. To benefit fully from this protection your business and users must ensure that their usernames and passwords are kept secure and secret at all times.
Choose a Password that is difficult for a third party to guess. The best Passwords contain numbers as well as both upper and lower-case characters. Users should not use a familiar name, date or place that may be easy for a third party to discover. Do not share your Password with anyone. Always memorize your Password. Change your Passwords regularly and do not alternate between Passwords. Disable any log-in and Password auto-complete functions on browsers. Don't allow anyone to identify the keys you are pressing while logging on. Do not record your Password on your computer or browser, or write it down anywhere. Do not use a Password that is also used in connection with a third party (e.g. an Internet Service Provider).
Bill Pay Service:
You can pay virtually any person or company within the United States using Bill Pay. The payee does not have to have a bank account that accepts electronic payments.
For example, the individual who takes care of your landscaping may not have a "formal" company or accounts that accept electronic deposits. If the individual does not have the ability to accept electronic payments, they will be paid by a hard copy check, which will be sent to them via the postal mail.
Note: Bill Pay should not be used to pay Beacon Federal bills. Beacon Federal bills should be paid via the Transfer function rather than Bill Pay so that you do not accumulate unnecessary charges or time delays.
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