Business Basic Checking

Convenience: The Elements Visa^® Business debit card allows you to make purchases at any merchant that accepts Visa^® debit cards. The funds will be directly withdrawn from your checking account.

Security: Enjoy online shopping secured with Visa. When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase at participating merchant sites.

Easy Account Management: Use Online Banking and the Mobile App to manage your personal and business accounts. See your business account activity, check your electronic statements, deposit checks, pay bills, and more anytime and anywhere you have access to the Internet. Log in or enroll in Online Banking today to manage your account.

Worldwide Access: Conduct transactions at 78,000+ ATMs worldwide and 5,000+ shared branches nationwide. Find an ATM or branch near you.

Paperless Benefits: Instead of returning your canceled checks, we provide you with a listing of checks paid, noted by check number, date, and amount, all viewable within Online Banking.

User Administration

Create and manage authorized user access including view/deposit/withdrawal limitations and dual control functionality.

ACH Payment Services¹

We offer ACH debit and credit origination; including options for one-time payments, recurring payments supported by templates, or file upload.

Wire Transfers

Safely Schedule Domestic Wire Transfers

Remote Deposit Capture

We offer standard Remote Deposit Capture capabilities which are supported in both a mobile and desktop environment and offer real-time availability. For clients with higher check deposit volume, we can also support an enhanced Business Remote Deposit Capture¹ with high-speed desktop scanners.

Bill Payment

We provide standard Bill Payment services at no cost and are also able to provide Business Bill Pay¹ which includes enhancements like invoice management, user administration, and reporting.

Check and ACH Positive Pay¹

Single platform with access to both Check and ACH Positive Pay ACH Preauthorization and Filter/Block features Both Traditional and Reverse Check Positive Pay; with custom file mapping option Account Reconcilement — Full, Deposit, or Check-only Reconcilement.

Elements offers a variety of digital payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:

• Apple Pay
• Google Pay
• Samsung Pay
• PayPal
• Amazon Reload
• This logo  anywhere Visa is accepted online.

Learn More about Digital Wallet Options

How to Get Started

Want help making the best choices? To get your Business Basic Checking application started, talk to us now about what's right for you: business@iescn.net, 1-317-276-2105, or toll-free at 1-800-621-2105.