Online Services

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Online Banking

Whether personal or business, giving you the tools to bank on your own terms is just one more way CCB Community Bank is making life great. 24 hours a day, seven days a week -- transfer funds, pay your bills, view your account activity and statements all on your computer or your mobile device and on your time.

See how easy and convenient our Online Services can be. View the Demos you'll find on our tab pages below.

 

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24-hour access to real-time account information from the convenience of your personal computer. Online Banking is convenient, easy to use, and more secure than ever.

With Online Banking you can:

  • Check all your account balances, pay bills and make transfers right from the Home Page
  • View real-time account balances, check images and history
  • Customize searches and reports, based on criteria such as category, check number or date to find what you're looking for.
  • Track your expenses in an easy-to-read pie chart - so you can see where your money is going at a glance
  • Transaction categorization enables you to assign categories and descriptions to your transactions
  • Transfer funds between accounts
  • Receive convenient transaction related and bill pay e-mail or text alerts and reminders
  • Download account information into Quicken™, Microsoft® Money or other financial software
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FAST...You get your statement sooner, because online delivery eliminates delays sometimes found with postal mail delivery. 

GREEN...eStatements are good for the environment. They literally save tons of paper. Which means fewer trees need to be harvested and less energy needs to be used to make the paper. Choosing eStatements is something easy you can do, that really is Earth-friendly.

SIMPLE...eStatements eliminate the clutter of paper statements. Your eStatement is presented in Adobe Acrobat format (PDF) which allows you to print or store and retrieve past statements. We will retain 24 months of history online from the time you sign up to receive eStatements.

SECURE...Identity Theft experts actually recommend electronic statements. Why? Because most identity theft occurs through the mail or improperly discarded paper documents containing sensitive information. eStatements simply protect your information better than paper statements.

FREE...It costs you nothing to switch to eStatements — and to have access to every transaction in your account, including check images, right at your fingertips.

The option is available to cancel eStatements and go back to receiving paper statements, if you choose.

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Mobile Banking is the ultimate on-demand service. With it you can now monitor your accounts using your mobile phone... receive alerts, view accounts, even transfer funds whenever you need to. Wherever you happen to be.

What can I do with Mobile Banking?

Mobile Banking allows you to:

  • View account balances
  • View transaction history
  • Transfer funds
  • Pay bills
  • Pay other people with popmoney
  • Receive text alerts
  • Mobile Deposit

My phone doesn't have Internet access. Can I still use Mobile Banking?

Yes. All you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or transaction history.

SMS Text Banking messages are not encrypted and there is no application time out. If your phone or device is lost or stolen, you should deactivate the service. Unless the service is deactivated, it may be possible for another person in possession of the phone to view any text messages stored on the device, and see information such as account balances and recent history.

Will I incur any additional fees from my mobile phone carrier for using Mobile Banking?

You should check with your carrier to confirm the costs of your rate plan.

How do I enroll in Mobile Banking or SMS text?

If your phone is web enabled, you can simply visit our website, answer your security questions and start banking right away. If you use an iPhone or Android based device, simply download our APP from the respective App store.

If you would like to use our SMS texting feature, just follow these steps. Begin by logging into your account. Once logged in locate mobile banking under Options.

Are there guidelines for creating account "nicknames"?

During enrollment, you are given the option of providing "nicknames" for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for Mobile Banking, because your HIST inquiries use the nickname. It's also included in the account history message returned by CCB.

For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.

An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.

Is Mobile Banking secure?

Yes. A personal password and phone activation code keeps your information safe.

No non-public personal data is sent to or stored on the mobile banking devices and sensitive information is not available even if someone else gains access to the device. However, you should help protect your personal information by keeping the following guidelines in mind:

  1. SMS Text banking uses the phone number associated with your device for authentication. If the device is lost or stolen, you should deactivate your SMS Text banking service immediately. If the service remains active, another person in possession of the phone can use your SMS Text banking service to see account balances and transaction history.
  2. Do not store text messages from SMS Text banking. They could be read by another person, and may contain information such as our contact SMS Text number and account nicknames that would allow another person to access your SMS Text banking.
  3. Do not store your Internet banking password in the device browser. Storing the password would potentially allow another person to follow the bookmark and log in. Quit out of the browser after each Internet banking session to erase session information and keep an unauthorized person from using the "back" browser function to re-enter your Online banking.

Can I use Mobile Banking on more than one phone?

Yes. You can add phones, change services or cancel at any time from the Options Tab > Mobile Banking Profile.

 

For more detailed information on how to use our mobile services, just view our Mobile Demo.

 

 

Tap. Snap. Deposit.

Now making a deposit is as close as your mobile device. With Mobile Deposit - available for eligible customers - you can deposit checks any time of the day or night. Deposit cut-off times extended until 6:00 PM for same business day.

Mobile Deposit is as safe and secure as Online Banking. Just snap two pictures of your check, choose your account, and your deposit is complete.

Certain qualifications will apply. First you must read and accept the Terms & Conditions. We will reply back by email with activation information.

You must be enrolled in Mobile Banking and your device must be able to download our Mobile APP. If you are eligible for the service, the Mobile Deposit option will be available to you after logging into the Mobile Banking APP.

 

 

CCB's Online Bill Pay service for Personal or Small Business...simply the best way to manage your payments.

Personal Online Bill Pay

Features:

  • Pay Virtually Anyone.
  • Send Money to Friends and Family using popmoney. All you need is their email address or cell phone number.
  • Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.
  • Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
  • Account to Account Transfers. Even accounts at other financial institutions. Your money is always available, regardless of where you keep it.
  • Receive eBills. Green, more convenient, more secure and easier to manage.
  • Reminders. Receive updates through email when you receive a bill, or when it's due.
  • Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
  • Search Bill History. Search by company, date and status, the moment you need an answer, wherever you are.
  • Message Center. Get quick answers to questions you might have.
  • Completely safe. More secure than mailing paper checks.

Small Business Bill Pay

Business Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

Features:

  • Administer three levels of authorized users with dual control features.
  • Pay any person or company in the U.S. except court-ordered payments and state and federal tax payments.
  • Receive and pay e-Bills online.
  • Schedule repeating payments.
  • Electronically link invoice and credit memo information with your payments.
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Cash Management Online Commercial Services

Whether your business is small or large, CCB's Online Commercial Services provides powerful tools to better manage your cash, so you'll have the time to better manage your business. As part of your online Cash Management, you can originate ACH transactions when and where you want, safely and quickly. It's the cost-effective way to handle routine transactions.

ACH is used for a wide variety of payments and deposits:

  • Electronic Payment Services feature provides ACH origination for Direct Deposit Payroll, Collection of Payments, and Commercial Payments.
  • Electronic Federal Tax Payments Service (EFTPS). Make your federal tax payments timely and securely using EFTPS through online banking.
  • User Administration. Access to each service is assigned by your business to your designated employees. Save valuable time and increase efficiencies by conveniently assigning specific account access, dual control privileges, and transaction limits to your associates.
  • Wire Transfer Requests
  • Check Reconciliation (also known as Positive Pay). Provides a simple way to monitor all checks clearing your accounts to avoid any fraudulent check activity.
  • Notify Me Alerts. This notification feature allows you to designate what type of account activity, such as overdraft alerts, balance alerts, pending ACH batches requiring approval, Positive Pay exceptions, large transaction alerts, you would like to be notified of via e-mail.
  • Multi Factor Security Token. Anyone attempting to log into your account will meet an authentication process.
  • Downloads. Ability to download account histories to Money, Quicken, Quickbooks or other financial management software.

 

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The quickest way to turn check deposits into cash! This service utilizes a desktop scanner that connects to your PC and the Internet. With it, you can scan checks received from customers and make deposits electronically to CCB Community Bank, anytime, day or night

Key Advantages of Remote Deposit Capture:

  • Save time preparing deposits. Preparing deposits electronically is very efficient. Plus, your funds become available faster.
  • Streamline cash flow. Deposit checks into a central business account regardless of remote office or storefront locations.
  • Reduce risk of check fraud. Faster check clearing may allow you to act sooner on returned checks, increasing collection opportunities.

Here's how easy it is to use:

  1. Scan checks from any desktop
  2. Prepare the deposit
  3. Electronically send deposit to CCB

Powerful business banking tools at your fingertips.

 

With Business Online Banking, you can save time, improve your cash flow, and streamline your cash management procedures all in a fully secure environment.

 

  • Real-time Account Balances
  • Direct Deposit of Payroll
  • ACH Origination
  • Wire Transfers
  • Transfer Funds between accounts in real time
  • State and Federal Tax Payments
  • Bill Pay Services
  • Positive Pay
  • Remote Deposit
  • Secure Account aggregation
  • All in a fully safe and secure environment