Business Online Banking

24/7 money management for your fast-paced world
User Management
Customizable Access
24/7 Account Access

Business Online Banking

Let Premier America Credit Union's Business Online Banking make managing all your business accounts on the web a breeze! In today's business environment, speed is a key ingredient. Delays can mean added expenses or lost opportunities. With Premier America Business Online Banking, you can quickly view all your accounts in one place and manage your money quickly.
All your accounts in one place
Conveniently make payments for business loans or credit cards
Account Alerts
Receive alerts that notify you of important account activity
Multiple Users
Grant and manage access to other important users
Wire Services 
Send wires directly from your home and maintain a template for your preferred vendors
Review your accounts
Quickly check balances, review transaction history, and view check images
Digital Library
Download statements, tax documents, and export account history effortlessly

Frequently asked questions & answers

Business Online Banking offers new features under the Business Tab, including Payments, Recipients, and User Management.

The Payments section allows the users to create wire transfer payments and templates. In 2025, ACH origination will be added here.

The Recipients section allows users to add, edit, and delete recipients for wire transfers.

The User Management section allows administrators to create, edit, and grant online banking access to new users. The administrator can choose to limit the users’ access to transaction types or online banking features.

An Administrator is the primary user for online banking and has access to all the features provided in business online banking. The administrator is responsible for authorizing online banking access to any additional delegates (sub-users), including modifying the access to the features offered.

A delegate is a sub-user that has been given access to business online banking as authorized by an administrator. The extent of the access provided to the delegate (sub-user) is dependent upon the rights and features provided by the administrator.
Log-in to Online Banking > Select the “Business” dropdown on the menu > Select “User Management” > Select “Add User” > Complete the required user details > Select “Save New User Details” > Enable “Transactions” and “Rights” granted to the user > Select “Save” > Select “Features” > Select “Features” granted to the user > Select “Save” > Select "Accounts” > Select “View, Deposit, and/or Withdraw” access for business accounts > Select “Save”
Yes. As an administrator, you may “enable” or “disable” delegates (sub-users) on the following transaction types and features: Bill Payment, Check Reorder, Domestic Wire, Funds Transfer, International Wire, Stop Payment, Loan Payments, e-Statements, Card Management, Login History, TurboTax, etc.

Additionally, the Administrator may add dollar amount limits on Domestic Wires, International Wires, and Funds Transfers.

Stop Payment and Check Reorders can be limited by the number of transactions on a daily and monthly basis.
An administrator can set a control for the maximum dollar amount allowed for Domestic Wires, International Wires, and Funds Transfers. The Bill Payment feature does not allow for a controlled dollar amount, this is depending on the account’s available balance with a max of $99,000.00, but this feature may be disabled by an administrator.
Yes, delegates (sub-users) can be limited to viewing Funds Transfers, Domestic Wires, international Wires, Stop Payments, as permitted by the administrator. Transaction type restrictions can limit the view to: All, Account, Own, or None.

NOTE: Delegates (sub-users) will continue to have the ability to view the transaction history unless the administrator has disabled the viewing ability via the Accounts tab. This viewing ability can be disabled.
Yes, administrators may limit the Rights access to Draft, Approve, Cancel, or View to the following transaction types: Domestic Wire, International Wire, Funds Transfer, and Stop Payments.
Draft: Allows user to draft a transaction.
Approve: Allows user to approve transactions.
Cancel: Allows user to cancel transactions.
View: Allows user to view transactions.
Yes, an administrator may choose which Rights they allow a user to have. For example, if an administrator has decided a delegate (sub-user) should have their Domestic Wire Transfers reduced to Draft only, the administrator would remove the rights to Approve, Cancel, and View, but would leave the right to Draft active.
Yes, an administrator may deactivate a user as well as reactivate a user at any time.
Delegates (sub-users) are created with limited access and are unable to perform transactions until the Administrator has determined which preferred features to enable. Depending on the access you as the administrator grant to your delegate (sub-user), the delegate’s (sub-user’s) access may include the ability to view available balances, transaction history, access e-Statements, bill pay, card management, login history, order checks, perform internal transfers, stop payments, mobile deposit, pay my loan, and wire transfers. Transactions performed by delegates (sub-users) are conducted on behalf of the business.

The administrator can elect to enable or disable any access, including specific transaction types or features from any user they create.
Yes, delegates (sub-users) will have access to making loan payments if the administrator has enabled this transaction type. The ability to make loan payments may be disabled by the administrator at any time.
Yes, an administrator can remove the delegate’s (sub-user’s) view to specific accounts or limit the type of transactions that can be completed (deposit/withdraw) on the accounts that are viewable.
Yes, if the user has been given access to this feature. The administrator may choose to enable or disable the user’s ability to manage new/existing recipients.
No, unless the administrator grants the delegate (sub-user) access to this feature. The administrator may choose to enable or disable the User Management feature which allows adding, removing, and managing online banking users.
Yes, delegates (sub-users) can use the Forgot Password feature. The temporary passwords and secure access codes will be sent to the contact information that is on file for the user. The administrator will need to verify that the information used to create the user is current and accurate.
No, all delegates (sub-users) must contact the administrator for all login assistance inquiries. This includes locked access, password resets, and resetting Login IDs.
No, if a delegate (sub-user) contacts Premier America with questions about your business, they will be denied and referred to contact the administrator on the account.
The delegate (sub-user) cannot process funds transfers over the phone.
The delegate (sub-user) is not authorized to obtain transaction information over the phone.
No, unless they received a check payable to the delegate (sub-user) that was signed by an authorized signer on the account. Standard identification process for non-members will apply.
No, the delegate (sub-users) does not have the authority to open new business shares.
No, the delegate (sub-user) does not have the authority to request or apply for loans/credit on behalf of the business.
Online Banking can help you in the long run as well as on a daily basis. Your business financial data can be easily downloaded to your accounting software for deeper analysis.
Financial resources at your fingertips for simplified decision-making.
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Premier America Credit Union is a full-service financial institution with branches in California and Texas. You may also conveniently join and open your Premier America account online.