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The quick way to turn check deposits into cash.

It’s like having a 24-hour teller right in your office.

• Get faster funds availability – With electronic deposits, checks can be deposited into your account sooner, so your money is working smarter for you.
• Make deposits anytime – Enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week, even weekends.
• Save time preparing deposits – Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
• Save time and money – Electronic deposits can reduce trips to the bank and eliminate costly courier fees.
• Streamline your cash flow – Check deposits can easily be made from any remote office or storefront. This makes it easy to consolidate deposits from multiple locations into a single bank.
• Reduce risk of check fraud – Faster check clearing may allow you to act sooner on returned checks, increasing your opportunities for collection.
• Work more securely – Multiple layers of security include password protection, Internet firewalls, and 128-bit encryption – the highest level of security commercially available.

  1. Remote Deposit Capture Features
  2. Remote Deposit Capture - Quick Tour
  3. Remote Deposit Capture - Create Deposit
  4. Remote Deposit Capture - Common Errors
  5. Remote Deposit Capture - View Deposits
  6. Remote Deposit Capture - Reports

  
  

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
• Transfer Funds between accounts in real time
• State and Federal Tax Payments
• Bill Pay Services
• All in a fully safe and secure environment

Know what’s happening with your money the moment it occurs. Just set up your alerts, and relax.

• Want to know if your balance drops? An alert is sent instantly
• Need to know when a deposit is made? You’ll find out the moment it happens
• Want to track when your debit card is used? Each transaction will trigger a notification
• Choose from a wide variety of alerts
• Take Action! Use the notification response option to transfer funds on the spot, pay bills or take other actions
• The Notifications you receive are up to you
• Help you spot signs of fraud and identity theft
• Provides the peace-of-mind that comes from knowing the status of your finances

WHAT IS POSITIVE PAY?
Positive Pay is a proactive measure to reduce fraud by validating checks presented to your account. Additionally, our ACH Positive Pay allows you to control which
companies can submit ACH debits to your accounts and set dollar amount limits.

HOW DOES IT WORK?
Our system matches the details of checks issued by your business to those presented for payment, catching discrepancies such as:

• Stale-dated checks
• Encoding errors
• Duplicate serial numbers
• Voided checks
• Checks with altered amounts
• Checks with altered payees

Another Layer of Security for Business Accounts – Soft Tokens 

Soft Tokens adds a new high-level security feature for our business account holders. Soft Tokens increase the safety of your log in process by generating a one-time password to use each time you log in to your account, helping to ensure your information is secure and assisting in protecting you from fraud and identity theft.

• Easily access your soft token from a smart phone application
• The randomly generated passcode is even more secure than a traditional password
• Even use the soft token as an extra layer of protection to complete certain types of transactions

  1. Soft Tokens - About
  2. Soft Tokens - Activation
  3. Soft Tokens - Loggin In
  4. Soft Tokens - Transactions

  
  

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

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.

Is your company keeping information secure?

Are you taking steps to protect personal information? Safeguarding sensitive data in your files and on your computers is just plain good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on five key principles:

1. Take stock. Know what personal information you have in your files and on your computers.
2. Scale down. Keep only what you need for your business.
3. Lock it. Protect the information in your care.
4. Pitch it. Properly dispose of what you no longer need.
5. Plan ahead. Create a plan to respond to security incidents.

Using your Minster Bank card is simple. Now, fraud monitoring is just as seamless.

• Our fraud monitoring network watches for suspicious or unusual transactions
• If a suspicious transaction appears on your card, you’ll receive a text asking if it’s legitimate
• Text back to confirm or deny the transaction
• Simple, quick and easy

Your new card can make life a little easier, and help keep your financial information more secure. In fact, your card is packed with features to make it easy to use:

• Security Code to protect purchases where the card is not present
• Traditional Magnetic Stripe for purchases where only swiping is available
• Your PIN or signature helps assure you are the person using the card
• The Chip embedded on the face of the card is another way to help prevent fraud

Manage your cards with our new and improved card controls.

Staying in control of your cards is easier than ever. Our powerful card controls offer you an all-in-one dashboard for managing your cards and how they are used, viewing your transactions, and staying informed.

• View spending by category, monthly trends, and location
• Easily lock and unlock cards
• Restrict purchases to location, merchant categories, or transaction types
• Set up alerts based on transaction type, merchant category, location, or even spend limit
• Set travel plans
• Report cards lost or stolen and order new ones

Know what’s happening with your money the moment it occurs. Just set up your alerts and relax.

• Want to know if your balance drops? An alert is sent instantly
• Need to know when a deposit is made? You’ll find out the moment it happens
• Want to track when your debit card is used? Each transaction will trigger a notification
• Choose from a wide variety of alerts
• Take Action! Use the notification response option to transfer funds on the spot, pay bills or take other actions
• The Notifications you receive are up to you
• Help you spot signs of fraud and identity theft
• Provides the peace-of-mind that comes from knowing the status of your finances

Know what’s happening with your money the moment it occurs. Just set up your alerts and relax.

• Want to know if your balance drops? An alert is sent instantly
• Need to know when a deposit is made? You’ll find out the moment it happens
• Want to track when your debit card is used? Each transaction will trigger a notification
• Choose from a wide variety of alerts
• Take Action! Use the notification response option to transfer funds on the spot, pay bills or take other actions
• The Notifications you receive are up to you
• Help you spot signs of fraud and identity theft
• Provides the peace-of-mind that comes from knowing the status of your finances

Now you can easily transfer funds to and from your accounts at other financial institutions.

• More Control over your money
• An Expansive Network – Make transactions between 15,000 financial institutions via the ACH network, enabling our online banking users to take advantage of a unified, secure and easy-to-use account-to account transfer experience.
• Save Time by using automatic transfers
• Make one-time transfers, recurring transfers or future-dated transfers.

Now, you can enjoy a simple, convenient and easy way to manage your money — any time of the day or night. It delivers a highly intuitive user interface, responsive screens and great tools that simplify your financial life.

Simply the best way to manage your payments.

• Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.
• Send Money to Friends and Family. 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.
• 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.

Get your money on the move. Zelle® makes sending money to friends, family and others you trust – fast, safe and easy.

With just a few taps on your mobile device or clicks from your Online Banking account via your computer, you can:

• Send money to your kid in college
• Request money from your roommate for their share of the rent
• Or, split the cost of the dinner bill or concert tickets with friends

Manage your money any time, anywhere with Minster Bank Mobile

• Instant Balance: When enabled, users can securely preview balances without logging in.
• Touch/Fingerprint ID: Log in using your fingerprint instead of a password with Apple’s Touch ID or Android’s Fingerprint Authentication.
• Account Balances: View your account balances in real-time.
• Recent Transactions: View both recent and pending transactions.
• Check Images: View images of the front and back of your checks.
• Transfer Funds: Easily move money between your accounts.
• Add Contacts: Add companies and people to send money to.
• Send Money: Schedule payments to companies and people.
• Request Money:  Request money from other people.
• Receive Money: Accept payments from other people.
• Deposit Checks: Deposit paper checks using your phone’s built-in camera.

There’s a lot to like about eStatements: eStatements are good for the environment. They literally save tons of paper, which means less energy needs to be used to make the paper. You get your statement sooner, because online delivery eliminates delays sometimes found with postal mail delivery. eStatements eliminate the clutter of paper statements and allow you to store and retrieve past statements right on your hard drive. Identity Theft experts recommend electronic statements. eStatements simply protect your information better than paper statements. 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 more you know, the safer your money.

The FDIC – short for the Federal Deposit Insurance Corporation – is an independent agency of the United States government. FDIC coverage protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

All FDIC-insured banks must meet high standards for financial strength and stability. The FDIC, with other federal and state regulatory agencies, regularly reviews the operations of insured banks to ensure these standards are met.

The FDIC insures all deposits, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit.

On July 21, 2010, the deposit insurance coverage for all deposit accounts was permanently raised to $250,000 per depositor, per insured depository institution for each account ownership category. Insurance coverage for certain retirement accounts, which include all IRA deposit accounts, was increased permanently to $250,000 per depositor in 2006.

The FDIC does not insure the money you invest in stocks, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank. The basic insurance amount is $250,000 per depositor per insured bank.

Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language — Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk.  And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.

How to protect your identity

The simple fact is you can protect yourself against most forms of identity theft. The first step is education. To make it easier to understand, we’ve divided identity theft into the five “Danger Zones.” Take a few moments to learn about each of the Danger Zones and the steps you can take to avoid being a victim.