Online Banking

Business Loans

  • What information will I need to apply for a Business Loan?

    Our lenders will typically request the most recent 3 years of your tax returns, a personal financial statement, and a detailed business plan to get the process started.  Requirements may vary based on loan request.
     

  • What should I include in my business plan?

    The plan should always include the following:
    a. Explanation of the busines (how will you generate revenue)
    b. What the loan proceeds will be used for
    c. What experience you have in that industry
    d. A detailed projection of sales and expenses
    e. What collateral you intend to provide the lender as security for the loan

    To download a Business Plan Example, click here.

     

  • What will my interest rate be?

    There are many factors that are considered when determining the interest for your loan.  Items such as the loan type, your credit history, the dollar amount you are borrowing and the strength of your business are all considered. 

  • How does a business line of credit work?

    A line of credit is typically used to fund the working capital needs of a business.  Lines of credit are used for short term borrowing needs and typically repaid based on your business' cash flow cycle.

  • Does Isabella Bank participate with the Small Business Administration (SBA)?

    Yes.  Isabella Bank is an approved SBA lender.  We also can take advantage of other loan programs if applicable.

Corporate Cash Management Services

Electronic Services

  • How do I report a lost, found, or stolen Isabella Bank debit/credit card?

    To report a lost or stolen Isabella Bank debit/ credit card, please call (800) 651-9111 and follow the prompts.

  • What is the difference between the debit and credit options for my Visa Check Card?

    When making a purchase you will be given an option between credit and debit.  In most cases, you will run it through as a credit (you will be asked to sign), which still takes the money directly form your checking account.  The debit option (you will enter your PIN) is for cases where you would like cash back (availability depends on the store's policy for receiving cash back).  For example, your purchases total $50 but you run it through for $100 to get $50 back in cash.

  • How do I enroll for your eSTATEMENT service?

    In order to enroll for eStatements, you must also be enrolled for our online banking service.  After enrolling for this service, you will need to visit the eSTATEMENT tab within our online banking site in order to sign up for this service.

Merchant Capture

Mobile Banking

  • What is mobile banking?

    Mobile banking formats our online banking screens so that you can easily view yoru account information from a web-enabled cellphone.

  • What can I do with mobile banking?

    Once you have enrolled for this service, you can:

    • View Transaction History
    • View Account Balances
    • Transfer Funds between Accounts
    • Pay Bills to existing Payees
      (Must currently be enrolled for Isabella Bank's online banking bill pay service to access this application of mobile banking)
    • View Alerts

    Mobile banking is a free service offered by Isabella Bank; however, third party data and text message charges may apply.  Please contact your mobile service provider for details.

  • How do I enroll for mobile banking?

    You must first be an existing online banking customer.  Then you can enroll by visiting the OPTIONS Tab within online banking.

  • What type of device do I need to use mobile banking?

    Mobile banking works with any web-enabled mobile phone device whose network allows secure SSL traffic.

    Mobile banking is a free service offered by Isabella Bank; however, third party data and text message charges may apply.  Please contact your mobile service provider for details.

  • What is the URL address for mobile banking?
  • Once I have enrolled for mobile banking, can I access it from any phone?

    Yes.  You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic.  However, the SMS Text messages will be sent to the device originally entered when enrolling for mobile banking, not the device from which you perform a transaction.

    Mobile banking is a free service offered by Isabella Bank; however, third party data and text message charges may apply.  Please contact your mobile service provider for details.

  • How do I add the Bill Payment option to my mobile banking?

    Visit the Enroll Today button on our homepage and click on on the Enroll for Bill Pay link.

  • Can I add a new bill payment payee via mobile banking?

    No.  Functionality is limited to sending payments to already established payees.  To add a new payee, log in to your online banking site using your computer, select Bill Payment, and add a new payee.  You can then submit payments to that payee via your mobile device.

  • How do I delete a Bill Payment that I initiated through my mobile device?

    You must log in to online banking using your computer and delete the payment from the main menu of the bill payment tab.

  • How do I know if my transfer or bill payment was entered successfully?

    Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device.  If you do not receive a confirmation text message, double check to make sure the transaction went through.

    Mobile banking is a free service offered by Isabella Bank; however, third party data and text message charges may apply.  Please contact your mobile service provider for details.

  • How far back can I search transactions using mobile banking?

    You will be able to view 15 days of transaction history.

  • What happens if I lose signal during a transaction?

    When you complete a transaction from your phone (bill payment, funds tranfser, etc.) you will receive an SMS text message as a confirmation that the transaction was successful.  If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transaction that did not process.

  • What happens if I lose my phone?

    Since your account data is not stored on your phone, your information cannot be stolen.  When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.

  • What do I need to do if I get a new phone?

    If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary.  If you switch providers and/or phone numbers, log in to your online banking account via your computer and update your information on the Options>Mobile Settings page.  You will not receive SMS Text Messages regarding mobile banking transactions if your phone number is not correct.

    Mobile banking is a free service offered by Isabella Bank; however, third party data and text message charges may apply.  Please contact your mobile service provider for details.

  • When I try to enter an amount for bill payment or transfer I cannot enter any numbers, only letters. Why?

    Check your phone's settings to make sure you do not have alpha-only enabled on the keypad.

  • How do I cancel my mobile banking service?

    Log in to your online banking site > select Options > Mobile Settings > deselect Activate Mobile Baning Access > click Agree

Mortgage Loans

Online Banking

  • Do I have to keep the long ID number that is assigned when I sign up for Online Banking?

    You may change your ID to an alternate ID that contains both alpha and numeric digits.  The only restriction is the ID may not begin with a numeric digit.  To change your ID, click on the Options > Modify Login Information > NetTeller Internet Banking ID.

  • Is online bill pay a free service?

    Bill pay is a free service with certain personal checking accounts.  Business accounts will be charged for the bill pay service monthly.  These fees may be amended from time to time in accordance with the Rules.

  • Is there a feature that allows me to put information right into Quicken?

    You may export your information directly into Quicken, as long as you are using Quicken 2009 or newer.  To setup this feature, log in to your Online Banking account, click the drop down menu to the right of the account and click Download.  For this function to work correctly, please set your Quicken browser to "Full Browser" as the program will automatically default to "Partial Browser".

  • Is there a feature that allows me to put information directly into Quickbooks?

    For those individuals who currently have Quickbooks, you can download your transaction activity directly from online banking into Quickbooks. From the Account listing, select the Account you wish to download activity from  >  Click Download from the drop down box  >  Select the transaction range  >  Select Intuit Quickbooks.

My Finance

Gift Cards

Miscellaneous