Business FAQs

1. You can create a template online to pay your employee, vendor, landlord, etc.
2. You can import a file online created through your accounting software.
3. You can upload a file online. 

After all AA pre requisites have been met, we will turn-on the CM services that have been specified. Below are the setup time lines:

1. ACH Template-based – immediate
2. ACH Import service – Give a full business day for implementation of service into your online banking profile
3. ACH Upload service – Minimum of three (3) business days. We have to coordinate with you and your accounting software service provider to make sure their ACH files are properly NACHA formatted. We also have to run test ACH files to make sure that they are accepted by the system before full implementation of the service is granted.
   1.  

Please refer to the JMB Fee Schedule.

Funds will arrive within 2 business days.

Yes. You can create a template online and save the information for next pay period or vendor payment.

1. 1. At JMB, we provide our business clients with advanced cash management tools and technologies that simplify tasks, such as, processing payments and managing cash balances, leaving them more time to focus on their core business. Our menu of Cash Management services includes:
      1. Online Banking with options for ACH Payments & Collections, Bill Payments, Wire Transfers, and Positive Pay  
      2. Mobile Banking and Mobile Check Deposit
      3. Merchant Bankcard Services 
      4. Remote Check Deposit
      5. Zero Balance Accounts
      6. Insured Cash Sweep® Services

This service requires a signed Remote Deposit Capture Agreement. For details, ask a Treasury Management representative about our Remote Deposit Capture (RDC) application process.

1. Multi feed scanner – $35 monthly
2. Single feed scanner – $25 monthly

Yes, with an exception. The Mac will need to have a Windows Mac parallel before the RDC machine install. We will need to install the Windows Mac parallel software on your Mac.

No, the software will not work with another Bank’s scanner software on the same computer (except for United Bank).

The scanner is a business product, to add a personal account it requires account officer written approval.

Depending on your schedule, the completion of the RDC installation can take up-to a full week. Normally it takes three (3) business days if we have all the required documentation completed and you are available for the install.

Yes, as long as we installed our RDC software onto all your specified computers.

No, currently all notifications are delivered to the email address you provided.

Yes, one of our primary goals is eliminating missed payments and expensive late fees. As a result, we’ll notify you when your eBill is due and if we have not received any payment instructions from you. Check your list of payees to find either the number of days before your payments are due (e.g. due in 3 days) or the actual due date.

Your payment will not be issued unless approved prior to the payment date. To later issue the payment, a new payment date will need to be assigned.

Your payment will not be issued unless approved prior to the payment date. To later issue the payment, a new payment date will need to be assigned.

There are two types of payments you can schedule automatically: 

1. Auto-Pay: An automatic payment is a payment that you set up to be paid every time without requiring your approval each time. You can pay the full bill, pay the minimum due, or create your own rule for how the bill gets paid. You can also select when to pay the bill — either when the bill arrives or a designated number of days before the bill is due (10 is the default).
2. Auto-Pay at regular intervals: Auto-Pay at regular intervals is a payment that gets paid by establishing the interval when the payment should be made; along with other supporting payment details. You specify the amount, the frequency, the start date and the end date or the number of payments to make. For example, you could have us schedule a payment for your car loan in the amount of $300 on the 1st of every month for the next 36 months.
3. 1.  

1. In the Bill Pay Activity panel in the Bill Pay Carousel, click the payment you want to cancel. The Payment Details window will appear. 
2. Click the Cancel payment button. Result: The Preview: Cancel Payment window appears 
3. Click the Cancel payment button. Result: The Confirmation: Cancel Payment window appears. Note: You can turn off this confirmation page, by checking the Don’t show me this again option. Click Close.
4. Result: The payment is cancelled. You can verify this action in the Bill Pay Activity panel in the Bill Pay Carousel.
5.  

To cancel an auto-pay, follow the instructions below:

1. In the Bill Pay Activity panel in the Bill Pay Carousel, click the payment. A Payment Details window will appear. 
2. Click the Cancel payment button. A window will appear that allows you to cancel the payment or the automatic rule. 
3. Click Cancel just this payment. The Preview Cancel Payment window will appear.
4. Click Cancel payment. The Confirmation: Cancel Payment window will appear. 
5. Note: You can turn off this confirmation page, by checking the Don’t show me this again. 
6. Click Close. Result: The payment is cancelled. You can verify this action in the Bill Pay Activity panel in the Bill Pay Carousel.
7.  

To cancel an auto-pay rule, follow the instructions below: 

1. In the Bill Pay Activity panel located in the carousel, click the payment. A Payment Details window will appear. 
2. Click the Cancel Payment button. A window appears that allows you to cancel the payment or the automatic rule.
3. Click Cancel automatic rule. The Confirmation: Auto-Pay Options window appears. Note: You can turn off this confirmation page, by checking Don’t show me this again. 
4. Click Close.
5. Result: Your Auto-Pay rule for that biller has been canceled.
6.  

Positive Pay is an automated fraud detection tool that provides early detection of fraudulent, altered or counterfeit checks through a daily verification of checks.

Please refer to the JMB Fee Schedule.

Log in to your online banking portal and follow the steps below:

1. Click on the Administration tab > select Manage alerts > select account from the dropdown menu > click GO > look for Positive Pay Exception Reminder > click on Add, located on the right side in blue > click on the box next to their email shown > click Add alert.   
2. You will receive notice by email if there are exceptions to be processed. The initial email is sent prior to 7:00 AM EST. All review and processing decisions must be completed by 11:00 AM EST.

Note: Alerts are user base and will only be sent to the user turning on the alert.

The exception processing time frame is between 7:00 AM to 11:00 AM EST.

Exceptions not processed by 11:00 a.m. EST will automatically be decisioned for “payment” by the Positive Pay system.

Note: We are a pay all bank, therefore items will not be rejected. It’s the client responsibility to review and process their own Positive Pay exceptions by the cutoff time of 11:00 a.m. EST.

Yes. Your business will designate an online banking administrator with the Positive Pay service. The administrator can add additional authorized users with specific user permissions with access by account and by function.

To add a new payee, follow the instructions below: 

1. Click the Add payee link.
2. Result: The Add a Person or Business window appears.
3. Select a popular payee or enter the person or business name and click Add. If the business is a managed payee it will appear in the drop-down menu. These payees require limited information at set up and will ensure the fastest payment processing.
4. Enter the required information and select Add.
5. Result: The Confirmation: Add a Person or Business window appears.   

Note: For some Electronic payments clients will need to submit a P2P form.

We’ll automatically display the amount and the number of days remaining until a payment is due in your list of payee’s area. To create a reminder for a bill: 

1. Highlight your bill in the List of payee’s area and click the Options link. You can also click the Options link in the Multi Pay 
2. Click the Add reminder link.
3. Result: The Reminder window appears. 
4. Complete the Reminder frequency (How often?), Next payment date and estimated amount, if you know that information. 
5. Click Save reminder. 
6. Result: The Confirmation: Reminder window appears. 

Note: You can turn off this confirmation page, by checking on the “Don’t show me this again option”.

John Marshall Bank Mobile Deposit can accept most check types, including two party (personal), payroll, and government checks. However, the following check types cannot be processed using the Mobile Deposit:

• Traveler’s Checks
• Foreign items
• HELOC Access & Credit Card Advance Checks

• Make sure the check amount entered matches the amount written on the check.
• Verify that the back of your check is signed (endorsed) and labeled, “For Mobile Deposit only, John Marshall Bank” (if available, check the box that reads “Check here if mobile deposit”)
• Flatten folded or crumpled checks before taking your photos.
• Keep the check within the on-screen corners when capturing your photo.
• Capture the photos in a well-lit area.
• Place the check on a solid dark background before taking photo.
• Keep the phone flat and steady above the check when taking your photo.
• Make sure the entire check image is visible and in focus before submitting your mobile deposit.

There are limits on the dollar amount of each deposit per day and a total dollar amount deposited each week. Your individual daily deposit limits are shown to you within the John Marshall Bank Mobile Deposit process.

Once you have deposited the check successfully, you should keep the check in a safe place for 30 days. After 30 days, and after you have confirmed the deposited funds have been applied to your account correctly, destroy the check or mark it “VOID.”

Yes, there is a set limit of checks a customer can deposit per day using Mobile Deposit but only one check can be deposited per transaction. There is also a multi-day check deposit limit in place.

You should take a picture of the whole check. You will be prompted to take a photo of the front and the back when the app prompts you to do so.

Yes, enroll for Business Online Banking by visiting our website.

1. After enrolling, download the John Marshall Bank Business Mobile app onto your iPhone, iPad or Android device
2. You will be asked to register your Mobile device in order to log in
3. Enter your Online Banking User ID, password, Online banking Company ID number and your mobile phone number

You will need the following to access Business Mobile Banking:

1. Enroll for Business Online Banking
2. Online Banking User ID, Password and Company ID number
3. An active John Marshall Bank checking, savings or money market account
4. A supported mobile device and phone number

A Company ID Number is assigned and provided to you at the end of the Business Online Banking enrollment process. You will need it in order to access your business accounts through the Online Banking and Mobile App platforms.

If you have enrolled for Business Online Banking and don’t know your Company ID Number, you can call 703-289-5949 during business hours: Monday – Friday 8:30AM – 5:30PM.

Contact the Treasury Management team at 703-289-5949 during our business hours: Monday – Friday, 8:30AM – 5:30PM.

The initial enrollment process needs to be completed by a CURRENT SIGNER on the account. Only the current signer will be able to set up the initial enrollment. In order to complete the enrollment process, you will be required to know your company ID# once it is assigned to you. (Please store the company ID# in a safe and accessible location as you will need it for future verification purposes).

Once enrollment is complete, it may take up to 24-48 hours before you can receive your approval email, which contains further enrollment instructions. Once the current signer receives the approval email, an authorized representative (accountant, office manager, etc.,) will be able to sign-on.

New online banking enrollments go through a review process.  After the enrollment review is completed, you will receive a “Welcome” email notifying you that your new online banking enrollment has been approved.  After receiving the welcome email, you will be able to log in using your Company ID, User ID and Password. 

A Company ID number is assigned and provided to you at the end of the Business Online Banking enrollment process and is used to access your business accounts in Online Banking.

If you have enrolled for Business online banking and don’t know your Company ID Number, you can call 703-289-5949 between our service hours of 8:30am – 5:30pm Monday – Friday.

This happens because the Online banking system is not able to validate your access.  It doesn’t mean that we don’t have the correct phone numbers on file for your User ID. 

Troubleshoot by checking the following:

1. Double check the credentials you are entering (Company ID and User ID)
2. If you haven’t accessed Online Banking for more than 3 Months then your account is inactive. You must call in for support to the number provided below.

For assistance call 703-289-5949 between our support hours of Monday – Friday, 8:30am – 5:30pm.

Contact Treasury Management via phone at 703-289-5949, between our service hours of 8:30am – 5:30pm Monday – Friday.

You can use your QuickBooks® software to connect and download your account information. Enrollment in Online Banking is required to download your business account transaction information. To use QuickBooks services, follow instructions within your QuickBooks software and enter your John Marshall Bank online banking credentials (Company ID, User ID and Password). 

Contact QuickBooks if you are needing account enroll assistance of your business account into the QuickBooks service. 

Online Statements are available for business checking, savings, and money market accounts. 

When you enroll in online e-Statements, you will be able to view, save, and print periodic statements for your eligible accounts immediately. We will send you an email when your periodic statement is available to view. Online e-Statement history will only go back for 24 months, you may contact your local John Marshall Bank branch if you need statement copies expanding greater than 24 months.

Your e-Statements enrollment will automatically stop your mailed paper account statement.  

Any business that has payables could benefit from using a purchase card. Instead of writing checks, using bill pay, or sending ACH’s, you can pay bills with a P-Card all while earning a cash rebate and pay off the balance at the end of the month.

No, you do not need a guarantor. However, you will need documentation that the individual signing on behalf of the organization has the right to take on debt.

The $250 implementation fee goes towards customizing the expense management software by ServisFirst. This software allows cardholders to automate their expense reports, as opposed to traditional Excel paper expense reports. It also has the capability for code allocations to allow clients to define rules and automatically assign accounting codes to transactions. To see the capabilities and the benefits of the Purchasing Card, feel free to reach out to your treasury management representative for a demo of this software.

You can continue to use your existing expense management software. You don’t need to switch to the ServisFirst platform and the associated $250 implementation fee will be waived. You’ll still have several online capacities such as the ability to restrict transactions to individual cardholders, monitor real-time spending, and add cardholders.

Real-Time Payments were established by The Clearing House in 2017 to provide its members with a faster payment solution. Through Real-Time Payments, transactions are cleared and settled by the network 24/7, 365 days a year. This allows for prompt delivery and greater accessibility of funds into your account.

To receive an RTP, you must provide the person or business who will be sending the payment your routing number and account number at John Marshall Bank. The individual or business must be a member of the Clearing House network with the ability to send RTP credits. Once they input your information and send the funds, the amount will be credited to your account within seconds.

Real-Time Payments are an ideal method of receiving payments for disaster relief, freelance work, insurance claim payouts and other just in time payments to name a few.

You can view any previous RTP transaction details through your John Marshall Bank online banking account, your paper or electronic account statements, and your mobile banking app.

Real-Time Payments are instantaneous and can help you or your business optimize your cash flow. Traditional electronic payments can take several business days before they are cleared and settled into your account. RTPs provide a platform for you to receive funds within seconds of the transaction being initiated. Even same-day ACH have restrictions on when they can be initiated and delivered. RTP also provides improved communication between the payer and payee by giving the payer the option to include additional information like remittance data with the transaction.

All Real-Time Payment transactions move directly through banking channels and are protected by bank security measures.

Presently, John Marshall Bank users can only receive payments within the RTP network. However, there will be future enhancements that’ll allow business and government entities to send payments, send requests for payments, include remittance/invoice data on payments, and more.