Online Business Banking Online Business Banking is an online service with tools that can be customized to suit your business—whether it's a new startup or an established company. What does Online Business Banking provide for your business? Security—Online Business Banking is complete with security features and firewalls to protect your company's accounts. Each employee has his/her own individual login, which allows the business to control employee access. Online Business Banking requires an Internet browser with a 128-bit encryption. Track your finances—You can view and print the front and back of any check that has cleared your account. You can also create custom reports to track your business finances. Direct Payments—Use the Automated Clearing House (ACH) to improve cash flow by initiating Direct Payments from customer accounts.* Direct Deposits—Make electronic Direct Deposit payments for payroll or accounts payable through the Automated Clearing House (ACH).** Domestic or International Wire Transfers—Send funds to accounts at different financial institutions.* Balance Alerts—Keep track of account activity by receiving email or text message notifications when an account level exceeds or falls below a set threshold. Book Transfers—Instantly transfer funds to your savings, checking and loans on your account and save a trip to the credit union. Represent Checks—Resubmit a previously deposited check as an ACH item/debit. eStatements—View your business account statements and cleared checks online. Online Bill Pay—Make payments from your business or personal accounts. Schedule payments in advance, even for recurring expenses like rent, leases and payroll. Supervisor Functions—Grant specific access rights to different employees or groups. Downloads—Download your account transaction history into QuickBooks.® Get Started To activate your account for Internet access to the Online Branch, visit any Mountain America Credit Union branch, or call 801-325-6228 or toll-free 1-800-748-4302. For help with online branch, click here.