Tokens FAQs

A soft token is a secure app on a mobile device that generates a one-time password each time you log in to Business Banker. It is similar to a hard token, but allows you to use an app on your mobile device instead of a separate piece of hardware.

You may download the free soft token app by searching for “DIGIPASS for Business Banking” in either the Apple App Store or Google Play.

If you are using any of the following options a token will be required: ACH Transfers, ACH Origination, Wire Transfers, Line of Credit Advances and Remote Deposit.

Yes, there is a one-time fee of $25.

Please download and complete the form linked here then email it to or drop it off at one of our branch locations.

No, you are not required to make any changes to your current log in process.

Yes, your company can utilize both hard and soft tokens. We understand it is an individual preference and encourage you to choose the option that best fits the needs of your business and your employees.

All FDIC-insured institutions must be audited each year by an independent public accountant (IPA) who is licensed to practice and in good standing under state law. To ensure the accountant’s reliability and adherence to good accounting and auditing practices, IPAs must be peer-reviewed each year in a manner consistent with the standards of the American Institute of Certified Public Accountants.

IPAs must audit and report on the bank’s internal controls on financial reporting directly to the bank’s board of directors. Federal bank regulators prohibit banks from limiting an IPA’s legal liability for their audits and require that the IPA’s audit work papers, policies and procedures be made available to the bank’s examiners upon request.

If the user that is logging into Business Banker only needs the below capabilities a password and security questions and answers can be used.

• Viewing accounts
• Transferring among internal accounts
• Placing stop payments
• Reviewing account statements

This change is effective immediately.