Business Banking
Manage cash flow, mitigate risk, and strategically invest with business banking solutions encompassing both traditional commercial banking and alternative specialty finance options.
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Protect the long-term health of your family’s financial future.
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Make strategic investment and asset liability decisions with a partner that knows how to ask the right questions.
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Asset Liability Management (ALM)
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Security Center

Take steps to keep your personal financial information and business safe.

Our Agreement. What It Means To Use Our Services.

The Security Addendum in the Master Online Banking and Treasury Management Services Agreement sets forth the required commercially reasonable Security Procedures that apply to all Services used by you. You agree to be bound by the Security Addendum regardless of the medium through which you access the Services. It is critical you understand and implement the Security Procedures. If you don’t, you could be liable for losses resulting in fraud.

Partners In Protecting Your Finances

Identity theft, check fraud, corporate account takeover, and other financial fraud schemes are increasing in frequency and sophistication. Our Security Procedures exist to assist and protect you from these types of fraud schemes.

That’s why we put together commercially reasonable Security Procedures — for you and us — to minimize risk while managing personal and corporate accounts.

Financial Security Protection is a Team Effort

We can’t do it alone. When paired with your vigilance and attention to our commercially reasonable Security Procedures recommendations and solutions will help you keep your finances and information secure.

What We Do

Financial data security is serious business and we have robust policies and procedures in place to help mitigate risk.

Facility Access Controls

We have strict access control of our facilities, including 24/7 surveillance and security systems.

Fraud Prevention Training

Our team is trained on how to detect fraud and employs various mitigants to reduce fraud risk.

Timed Log-Off Technology

Our Online Banking application automatically logs you out after 15 minutes of inactivity. This timed log-off reduces the risk of unauthorized access to your account from an unattended computer.

Multi-factor Authentication

We pair user IDs, passwords or biometric facial or fingerprint recognition (“Codes”) with another identifier (i.e. tokens, out-of-wallet security questions, knowledge-based questions) to assure it is our client logging into Online Banking or mobile applications.

High-Risk Transaction Identification

We require at least one other method of identification for high-risk transactions, such as wire transfers or ACH.

Device Profiling

During login, First Business Bank automatically tracks extensive details about an individual’s network and device. To identify potential fraud, we then evaluate the data for consistency with the user's typical behavior. The results determine the next step in the sign on process and whether to require additional authentication or block the sign on.

Secure Hand-Held Device Technology

Mobile applications will automatically log you out after five minutes of inactivity. This shortened log-off period reduces the risk of unauthorized access to your account if your mobile device is lost or stolen.

Data Encryption

Your confidential banking data is encrypted.

Payment Monitoring & Fraud Detection

We monitor payment channels for suspicious transactions to detect fraud.

What You Do

Your internal risk management procedures and implementation of security controls are equally important. Here are the Security Procedures you should follow to reduce the risk of fraud and theft.

Vigilance & Skepticism

Strong security starts with a vigilant human layer. Stay alert and report anything that appears suspicious or unusual.

Stop & Report

Stop all online activity, remove any system that may be compromised, and contact ic3.gov, the reporting mechanism to submit information to the Federal Bureau of Investigation and law enforcement concerning suspected internet-facilitated criminal activity.

User Awareness Training

Stay informed on the latest fraud schemes and scams. Businesses must train employees on best practices for dealing with suspected phishing emails, social engineering, or other likely high-risk attack vectors.

Dual Internal Controls

Use dual controls for all monetary transactions; separate the approver from the person inputting the transaction into accounting software or Online Banking.

Roles and Entitlements

Business Online Banking offers the flexibility to customize individual access by assigning unique roles and supports entitlements for access to specific services or accounts, and submitting or approving transactions such as ACH, wires and bill payments.

Approvals

Businesses have the option to layer additional security measures by setting various approval controls for each individual user. These include management of templates for ACH and wires, completing transactions and administrative functions.

Limits

A variety of configurable limits are available for ACH, wires and bill pay through Business Online Banking. For example, daily limits can be set to a maximum cumulative amount, by account or service.

Multi-User Internal Controls

Use segregation of duties for reconciling statements. The person initiating the payment must not be the person that performs reconciliation.

Transaction Controls

When managing a business, every transaction counts. Several layers of transaction controls are available to provide advanced fraud protection.

Step-up Authentication

In addition to the optional step-up measures at sign on, hard or soft tokens and/or out-of-band authentication may also be required for ACH and/or wire approvals. Out-of-band authentication can also be invoked if a transaction is over a set amount.

Alerts

Receiving notifications when a sensitive transaction takes place can make all the difference in quickly detecting fraud. Business Online Banking offers a variety of mandatory and optional alerts to help businesses stay on top of their finances. Mandatory alerts are automatically sent for activity such as password, phone number or email changes, failed transactions, and e-statements availability. Choose optional alerts for individual profile changes, balance thresholds, template approvals, pending transfers and various bill pay activities.

Electronic Statements & Bill Pay

Go paperless; sign up for electronic statements and Bill Pay to eliminate paper invoices and the potential for checks and paper statements to be stolen out of the mail.

First Business Bank Security Tools

Sign up for First Business Bank’s Payee Positive Pay, Positive Pay, ACH Positive Pay, ACH Debit Block, and other fraud prevention services.

Learn More

SecurLOCK™ Equip

Sign up for SecurLOCK™ Equip which provides debit cardholders with a secure way to control how, when, and where debit cards are used, including preventing debit card payment online, mobile payments, or ATM use.

Account & Alert Monitoring

Monitor your accounts, review transactions, and sign up for alerts via Online Banking, Remote Deposit, and Integrated Payables for balance, transaction, and other alerts. If you identify something suspicious, contact First Business Bank immediately.

Trusted Vendors Only

Only do business with vendors you know and trust. If you receive new payment instructions, contact the vendor at a phone number you have within your systems to verify the legitimacy of the request.

Endpoint Threat Detection and Response

Use endpoint threat detection and response to continually monitor and respond to threats on endpoints, including mobile devices.

Security Hygiene

Use complex passwords, change them frequently, and store them in a secure password manager. Use remote wipe capability for lost mobile devices to ensure sensitive information is not stolen.

Your Fraud Prevention Solutions

The increase in frequency and sophistication of cyber fraud means you need a financial partner invested in helping you build a comprehensive fraud protection plan. That’s why we offer a compendium of Fraud Prevention solutions.

SecurLOCK Equip
ACH Positive Pay
Account Reconciliation
Payee Positive Pay

Reduce your risk with our fraud protection solutions. Let’s partner up to protect you and your company’s assets.

Learn More About Fraud Prevention Solutions

Check Out These Helpful Security Tips

For the latest financial security information, here's a list of resources and institutions that provide trusted security tips.

Get Helpful Security Tips

Disclosures For Working with First Business Bank

Protecting your financial security and future takes a strong commitment between First Business Bank and you, our client. Understanding our shared responsibility is essential for your welfare. Please read these important disclosures.

Website Terms & Conditions

Learn the details about using the First Business Bank website in our Terms and Conditions.

Unlawful Internet Gambling

Transactions restricted by the Unlawful Internet Gambling Enforcement Act (UIGEA) are prohibited from being processed through First Business Bank commercial accounts. For more information, please call us at 608.238.8008 or send us a message.