Mobile Branch – Let the Bank come to you.
Save time, money and hassles by bringing the bank to your doorstep!
Business Online Banking (Cash Management)
Enjoy The Convenience Of Banking From Anywhere
Cash Management is a more robust version of our online banking product. It gives business customers the ability to set up users who are not signers on your business account with access to view transaction histories, statements, initiate funds transfers, and process business bill payments. Outgoing wire transfer initiation and ACH Origination can also be added on. These options allow users to submit wire transfers online, plus create ACH files such as payroll, EFTPS tax services, payments, and collections.
Access Options
Users can be set up with full access, view only access, or dual approval access. An example of dual approval access would be your bookkeeper creating an ACH Payroll file and you approving the file.
To enroll in Business Online Banking, contact your branch or get started HERE
Enroll in Personal Online Banking
Enjoy the convenience of banking from anywhere! The information and features you need to manage your money is at your fingertips.
- View current balance information for all your accounts
- Transfer funds between your Mountain Pacific Bank Accounts and to or from accounts elsewhere¹
- Review your statements electronically²
First Time Enrollment – What are you waiting for? Start the process now.
¹ Enrollment and account verification required. Limits apply. Please contact your branch for more details.
² Web statement access requires an additional enrollment after online banking access has been established and may take up to 72 hours for statements to be available.
Convenient ATM Access
Withdraw cash from any ATM, any time – with no fees ¹ ²
At Mountain Pacific Bank, we get that you are occasionally going to need cash in places where a Mountain Pacific Bank ATM may not be the most
convenient choice.
That is why we refund up to $30 in non-Mountain Pacific Bank ATM surcharges each month.
Anywhere you are. Any machine you use. Never worry about ATM usage fees again.
¹ Mountain Pacific Bank refunds up to $30 in ATM surcharges imposed by ATM owner per statement cycle while the account is open.
² Charges applied in the conversion of currency are not included. Fees assessed in foreign currency are not refunded. International Service Assessment (ISA), VISA, and Merchant fees are not waived or assumed by Mountain Pacific Bank.
Remote Deposit Capture
Save time and focus on your business! Eliminate the need to physically deposit your checks at the bank by capturing check images at your business location. Remote Capture offers customers the option to scan checks at their office and submit them to the bank electronically for clearing. This avoids the need to have to come to the bank.
Mountain Pacific Bank provides a state-of-the-art Remote Deposit Capture product, an innovative solution to help you meet the growing demand for remote deposit solutions. Remote Deposit Capture is a quick, convenient way to make check deposits to your Mountain Pacific Bank account, without ever leaving your business.
Remote Deposit Capture Benefits
- Safe and secure way to make deposits
- Make deposits at anytime
- Increased deposit frequency and timing ensures faster access to funds
- Streamline your operations and improve productivity
How it Works
We provide you with a scanner and help you complete the set-up process in person or over the phone. Each user will have a unique log on, and the system offers several options for enhanced security and dual approval. The application gives you the ability to search the checks you have deposit and pull of images of the items.
There are numerous options for customization fields so that your deposit includes the information that is relevant to you:
- Account number
- Day/Month
- Invoice number
- Customer Name
- Customer ID number
Mobile Deposit
Eliminate unnecessary trips to the bank and make deposits when it is convenient for you. Our Mobile Deposit service allows you to conveniently deposit checks into your Mountain Pacific Bank account right from your phone -anytime, anywhere. With Mobile Deposit you will be able to capture images of checks and submit them to the bank electronically. You will have peace of mind your checks are deposited quickly and safely through our secure mobile app and best of all its FREE.
Mobile Deposit is available to consumer accounts and currently, business accounts are not eligible.
Mobile Deposit Benefits
- Safe and secure way to make deposits
- Submit deposits at any time
- Increased deposit frequency and timing ensures faster access to funds
Positive Pay
Mountain Pacific Bank’s Positive Pay service* is an online tool that helps you to safeguard your business account(s) against check and/or ACH fraud by adding another layer of validation when items try to post.
What are the benefits of Positive Pay?
- This widely used fraud detection tool helps identify checks and/or ACH items you didn’t authorize and gives you control to stop them from going through.
- Financial losses associated with unauthorized payments, as well as the disruption of operations following a fraud incident, are reduced.
- You can securely log into Positive Pay to review exception items and decide whether to pay or return them from any device that connects to the internet.
- No additional software is required to use Positive Pay. All you need is an internet connection and login credentials to get started.
How it Works
Customers go to the Positive Pay website where they input information for checks and/or ACH items that have been issued or authorized. When the item comes through, the system knows it’s valid if there is a record on file for a check or ACH item. If an item comes through and the information hasn’t been inputted for it, an email is sent to notify the customer. The customer then reviews the exception item and sets it to Return or to Pay.
Processing Cutoff Times
Customers have until 10:00 AM each morning to review and update any exception items they may have. We process Monday thru Friday with the exception of holidays.
Check Positive Pay: With Check Positive Pay, Mountain Pacific Bank will begin validating any checks presented for payment from your account against the check data you have entered into Positive Pay beforehand, such as the check number, issue date, account number, or dollar amount. If the information on the presented item doesn’t match, the check will un-post and you will be notified of an exception item to review.
| Customer uploads check issued report or builds records in the Positive Pay site. |
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| Check Positive Pay verifies criteria when check is presented for payment. |
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| If criteria is met, the check is paid. | Mismatched data creates an exception. Customer is notified via email to log into Positive Pay site and make pay/no pay decision. |
ACH Positive Pay: With ACH Positive Pay, Mountain Pacific Bank will begin validating any ACH debits and/or credits presented for payment to or from your account against the data you entered into Positive Pay beforehand, such as what companies are authorized to debit or credit the account, transaction dollar limits, and effective/expiration dates. If the information on the presented item doesn’t match what you’ve entered, the payment will un-post and you will be notified of an exception item to review.
| Customer enters pre-authorized ACH transaction criteria in the Positive Pay site. |
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| ACH Positive Pay verifies criteria when an ACH item is presented for payment |
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| If criteria is met, the ACH item is paid. | Mismatched data creates an exception. Customer is notified via email to log into Positive Pay site and make pay/no pay decision. |
*Additional fees may apply, depending on products and services used.
For a complete list of our fees or to set up Positive Pay, please contact your local branch.
Don’t tolerate your bank, love it.
Stop worrying if your bank is a good fit. Know that your bank has got you covered.
