Accessing Online Banking
On the left hand side of our home page, you will see an "Online Banking Login" section with two radio buttons below it, "Business" and "Consumer". Select either Business or Consumer and select the "Submit" button to enter online banking.
At the login page you will be prompted for the Access ID which you selected at the time your Online Banking Agreements were signed. You must enter the access ID exactly as you recorded it on your Employee Authorization form, paying special attention to the case of your letters. Verify whether your Cap and/or Number Lock is turned on or off.
Enter the temporary password which you received from Venture Bank, again paying special attention to the case of your letters. Click on the "Log-In" button to enter the program.
If this is a first time login for you, you will be prompted to re-enter and then change your password. Our password policy requires that your password be a minimum of 8 characters long and contain one number, one upper case letter, one lower case letter, and one special character (e.g. %, *, #).
If you are having trouble establishing your new password, check your cap and number locks and verify that you are typing accurately. (If at any time the message "Your account has been disabled" is displayed, please call your Account Executive to have your password reset.)
In order to prevent fraud and protect your company's information, it is important that you do not share your Access ID or Password with anyone.
Opening Page Layout
On the Opening Page, you will see the following headings: "Summary", "Accounts", "Funds Management" (if you have any type of transfers set up), and "File Transfers" (if you have ACH files which you originate). In the event you do not see any headings on the Opening Page, it is possible that the page did not load properly due to a memory or connection problem. If this happens, sign off of the internet completely and retry.
To view a summary of all of your accounts, click on "Summary". Each of your accounts will be summarized on this page. To view specific information on a particular account, you may click on the underlined nickname of the account listed under the Account Nickname heading. After clicking on a specific account, a second tool bar will appear under the previous tool bar and list the choices "Balances", "Transactions", "Stop Payments" and "Documents". The balances screen will be displayed by default. This screen will display balance information about the account as well as activity and available funds information.
By hovering your cursor over the Transactions heading, a menu of transaction choices will appear. You have the option to select: Previous Business Day, Current Statement, Previous Statement, Transaction Menu and Transaction Search. Transaction Menu and Transaction Search allow you to search for a specific transaction, image, or selected data; and to download that data into another application like Excel, Quicken or QuickBooks for account reconciliation purposes. Cash Management Online customers have an additional option to select Current Business Day transactions. Current Business Day transactions would include: ACH debits/credits posted by approximately 9:30 AM; check clearings posted usually by 2:30 PM; and incoming wire information posted at 10 AM, 1 PM, 3 PM and 5 PM.
The "Stop Payment" heading gives you options to initiate and review stop payments.
Clicking on the "Funds Management" heading on the top menu will display a list of any Internal Transfers, Wire Transfers, Tax Payments, or Cash Concentrations set up. To view and initiate an internal transfer, click on the "Funds Transfer List", then click on either the underlined name of the transfer or the box next to the transfer name. Complete the dollar amount and click "Submit". When initiating a Repetitive Wire it is not necessary to fill in the "Beneficiary Information". If you wish, you may include reference information in the "Handling Instructions" field. When initiating a Free-form Wire, you must fill in the wire destination instructions.
Please be aware of the following deadlines as you manage your account and initiate transfers using your Business Online Banking:
5:00 PM is our cut-off time for the current day's business. If you want your transfer to occur on the current day, you must initiate an internal transfer between Venture Bank accounts, by 5:00 PM. Any transfer initiated after 5:00 PM will be considered a next business day transaction.
ACH Cash Concentrations, Tax Payments, and Domestic Wire Transfers must be initiated by 3:00 PM in order to be a part of that day's business. International Repetitive Wire Transfers must be initiated by 2:00 PM. The cutoff time for ACH transfers and ACH files sent via Venture Bank's Internet Banking is 3:00 PM. If your ACH transfer or file arrives from you or your processor after 3:00 PM, the file will be transmitted on the next bank business day.
Each authorized employee will be prompted to change their password or PIN number (depending on the online product you are using) every 90 days. If you are required to change your password, you must verify your existing password and then change it to include: one upper case letter, one lower case letter, one number, one special character (e.g. %, *, #), and the password must be a minimum of eight characters in length.
If you are able to get on the Internet using Internet Explorer version 6.0 of higher, but are unable to get to our website, our website might be down due to routine upgrading and maintenance. Wait 10 minutes and try again. If you are still unsuccessful in reaching our website, call us to confirm that our website is down. We would be happy to assist you with any information about your account(s) that you need. If you can get to our website, but are unable to get logged-in, check to make sure that you are entering the correct Access ID and password. Verify that your cap and number locks are either off or on. Type carefully. If you get an error message stating that your "log-in information is missing or invalid", it is due to an error in input. If you receive a message saying "Your account has been disabled", you must contact us to reset your password. If you have followed all of the above steps and are still experiencing difficulty, please contact an Account Executive at one of our locations.
Golden Valley 763-398-3333