We’ve built a better online banking experience that’s just right for you!

It’s here!  Log in to the new business online banking by clicking here: https://secure.myvirtualbranch.com/BayCoastBank/signin.aspx

Big changes for business online banking

In our efforts to bring you the best possible online banking experience, we are thrilled to launch our new easy-to-use Online Banking, Mobile Banking and Bill Pay solutions for our business banking customers.

Our new iBanking platform will have a whole new look and feel and this enhancement comes with more flexibility, reliability, and control for you. Please take a moment to review the below important changes that will affect the way you use Online Banking.

So what’s new with my online banking?

  • The first thing you will notice is that the login page will look different.
  • Within the next few weeks, you’ll receive a new temporary password that will be sent in the US Postal mail. Please be on the lookout for this letter since you will need it on January 28, 2020 when the new platform launches.
  • Preregistration will be available mid-January to set your own password.


What if I use Remote Deposit Capture?
Access will require an additional login with a new user name and password. RDC users will be receiving more information regarding these changes in the weeks to come! Learn More

What will happen with my token?
New tokens will be sent in the mail to the company administrator for all users.

When will I lose access to our existing online banking?
Online banking will go into “view-only mode” at 4:00 PM on January 24th and remain in view-only mode until 8:00 AM on January 28th. At that time, you will be able to access the new online banking system using the credentials we have provided to you. 

What does “View Only Mode” mean?
“View-only Mode” means you will have access to online banking to view account balances and transaction history, however transferring between accounts, wires, ACH, Bill Pay, Remote Deposit, E-Statements, and other functions will not be available. 

Will I still be able to schedule payments through Bill Pay during this timeframe?
While the system will allow you to schedule payments within Bill Pay for January 24th and 27th, any payment scheduled for the 24th will not be processed. If you have a payment scheduled for the 24th currently, you would want to change the date of that payment to January 23rd or January 27th to ensure that it is sent. 

What are the biggest differences between the current online banking and the new online banking?
Our new iBanking platform will include a modern look and feel similar to our consumer online banking. It will include all the features that currently exist in our business online banking system with the addition of Instant transfers to other BayCoast Bank accounts, an updated Bill Pay system, easier wire and ACH template maintenance, more detailed alert notifications, and much more.

Will anything change about the Bill Pay System?    
Yes, the way physical checks are sent through the bill payment system will change. In the new system, checks will withdraw from your account when they are cashed as opposed to when the payment is sent. This means the check will only process out of your account when the payee has received it. Additionally, the image will be viewable through your main account summary page.

Will the new online banking system be mobile friendly?
Yes, the new online banking system will be a fully responsive website, meaning it will adjust to the size of the screen you are using for a more pleasant look and feel. In addition to this, we will offer a fully functioning mobile app that gives you access to view balances, make transfers, initiate and approve ACH and Wires, make bill payments, and even mobile deposits. 

Will ACH or Wire cutoff times change with the new online banking system?
No. Both the ACH and Wire cutoff times will remain 4:00 PM.

As always, if you have any questions about the new online banking platform, be sure to talk to one of our friendly Ecommerce staff members!

Email: ecommerce@baycoastbank.com
Phone: 508-996-7777