Online business banking has become a cornerstone for modern enterprises, whether small startups or seasoned organizations. At Capital Bank, we understand that efficient financial management is vital to sustainable growth. Our Business Banker and GoBanking platforms empower business owners with the tools and insights needed to stay on top of their finances, anytime, anywhere.
Real-Time Access to Financial Data
Capital Bank’s online banking solutions offer real-time account balances, transaction histories and check images accessible 24/7 from desktop or mobile devices.
This continuous visibility enables business owners to make informed decisions quickly, avoid overdrafts and accurately forecast cash flow.
Streamlined Cash Management Tools
The platform provides robust capabilities for managing money efficiently. Features such as fund transfers, ACH origination, wire payments, bill pay, and loan servicing are all integrated into a single dashboard.
Businesses benefit from remote deposit capture, scheduled payments and batch file uploads—all designed to automate and simplify operations.
Secure Employee Permissions and Multi-User Controls
Capital Bank supports advanced administrative controls. Users can set role-based permissions, delegate tasks to employees and implement multi-level approval workflows.
This ensures tight access control and accountability, which is crucial for maintaining internal checks and reducing risk.
Enhanced Fraud Protection and Security Measures
Security is a top priority. Business banking at Capital Bank includes multi-factor authentication, encryption, security tokens, challenge questions and real-time alerts.
Coupled with Positive Pay and ACH fraud monitoring, these measures help businesses proactively defend against unauthorized transactions.
Greater Efficiency Through Automation
By digitizing routine tasks such as transactions, payments, check uploads and reconciliations, business owners can save time and minimize human error.
Our intuitive platform cuts down on operational burdens and allows entrepreneurs to focus on growth and strategy.
Seamless Mobile and Remote Banking
With Capital Bank’s GoBanking Business Mobile App, users can deposit checks, initiate transfers, pay bills, and approve transactions on the go.
This flexibility is invaluable for today’s on-the-move business owners who need financial control wherever they are.
Integrated Merchant Services and Payment Processing
Capital Bank’s business offerings include merchant services, enabling seamless credit card, debit card and digital wallet processing.
Combining these services with various payment tools such as ACH, wires, and bill pay creates a unified financial ecosystem that delivers convenience and reliability.
Better Cash Flow and Treasury Management
The platform includes treasury tools such as cash concentration, disbursement services and account consolidations, key for forecasting cash needs and optimizing liquidity.
These advanced features are especially beneficial for midsize and larger businesses requiring proactive financial oversight.
Simplified Financial Reporting and Export Features
Users can search, sort, download, and export transaction history for reconciliation and reporting. Support for integrations with financial systems like QuickBooks and Quicken further streamlines accounting workloads.
Local Expertise and Personalized Support
Capital Bank combines digital sophistication with local decision-making, responsive service and customized advice. Unlike large online-only banks, we offer personal guidance, from cash flow solutions to financing options delivered by bankers who truly understand your business.
Access to Flexible Financing Options
Embedded within the Business Banker platform, customers have access to lines of credit, term loans, SBA financing and commercial real estate lending.
By centralizing banking and financing relationships, businesses can respond quickly to growth opportunities and working capital needs.
Competitive Advantage Through Digital Transformation
Embracing online banking positions businesses for competitive edge. Digital banking delivers greater efficiency, reduced costs, enhanced accuracy and improved security.
Capital Bank’s digital platform helps businesses capitalize on these benefits and stay nimble.
Minimized Costs and Operational Savings
Automated digital processes reduce dependency on paper, manual data entry and branch visits—lowering labor costs, minimizing errors and optimizing workflows.
By cutting back on account maintenance overhead and check printing, businesses can achieve measurable cost savings over time.
Future-Ready Banking with Scalable Tools
Whether you’re managing one account or a multifaceted financial portfolio, the platform is built to scale with your business, adding features like Positive Pay or expanded payment capabilities as needed. This ensures your banking infrastructure can evolve alongside your goals.
Online business banking through Capital Bank offers a comprehensive suite of tools designed to simplify money management, enhance security and drive efficiency. From real-time visibility to streamlined payments, multi-user control and integrated financing, our digital banking services empower businesses to spend less time on operations and more time on growth. Connect with a Capital Bank Business Banker today to experience the power of smarter, safer, scalable banking on your terms.
