• Frequently asked questions

Business Banking Online FAQs

Transfer Funds

Security

Bill Pay Online

What do I need to use First Tennessee Banking Online for Business?
Banking Online requires:
  • A First Tennessee account
  • Internet access with a 128-bit encrypted browser
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Which First Tennessee Banking Online for Business services can I use with a Mac?
Mac users can access accounts online with First Tennessee's Banking Online.
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Can I use First Tennessee Banking Online for Business from more than one PC?
Yes. Because Banking Online is accessed through the Internet, you can use it from any computer with Internet access with a 128-bit encrypted browser.
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Which accounts can I access through First Tennessee Banking Online for Business?
You can view all your transactions for your checking, savings, and credit card accounts. You can see balances for the following:
  • Checking accounts
  • Savings accounts
  • CDs
  • Individual Retirement Accounts (IRAs)
  • Installment loans
  • Credit cards
  • Business lines of credit
  • Home equity lines of credit
  • Mortgages
  • Brokerage accounts
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How current is the Banking Online for Business balance information?
The current balance you receive through Banking Online for Business is the closing information from the previous business day. The available balance you receive through Banking Online for Business includes ATM transactions, funds transfers, point-of-sale, and First Check transactions completed throughout the day. Additionally, the available balance includes your First Banking Reserve (overdraft protection).
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Can the Entitlements feature specify who has access to account information or reports?
By setting up Entitlements, you can control other users' access to your account.
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What if I open a new First Tennessee account and want to access it through First Tennessee Banking Online for Business?
Please call 888-382-8998 and a Banking Online for Business Relationship Specialist will enable your new account.
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What types of accounts can I transfer funds to and from?
Account Type Transfer From Transfer To
Checking Yes Yes
Savings Yes Yes
Add-On CD No Yes
Credit Cards Yes Yes
Home Equity Lines of Credit Yes Yes
Home Equity Loans No Yes
Personal Lines of Credit Yes Yes
Installment Loans No Yes
Mortgages No Yes
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When are funds available after they are transferred?
The availability of funds after a transfer depends on two factors: the type of account into which funds are transferred and the time the transfer occurs. Refer to the following table for details.
Account type into which funds are transferred Funds transferred Monday through Friday 6:00 AM - 5:00 PM Funds transferred Monday through Friday 5:00 PM - 6:00 AM, or anytime during the weekend
  • Checking
  • Savings
  • Add-On CD
 
Immediate Immediate for Banking Online transactions. Funds are not available to clear checks until the next business day.
  • Mortgage Loans
  • Installment Loans
  • Home Equity Loans
  • Personal Lines of Credit
 
Next Business Day 2 Business Days
  • Credit Cards
  • Home Equity Lines of Credit
 
2 Business Days 3 Business Days
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What is a SuperUser?
The Entitlements feature allows a "SuperUser" to grant access to selected employees to perform certain Banking Online for Business functions. A SuperUser has unlimited rights and access to bill payment and funds transfer for every account in your business profile. The SuperUser may add multiple SuperUsers, and multiple users.
For instance, one employee (user) may need to handle fund transfers while another employee (user) may only need to view the account or access bill pay. Employees (users) are able to access only those functions assigned to them by a SuperUser through the use of passwords and other security features.
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Is Banking Online for Business secure?
Absolutely. Each time you log in to Banking Online for Business, one secure connection is opened to the bank. This connection is protected using Secure Sockets Layer (SSL) 3.0, which is a security protocol that prevents eavesdropping, tampering, and message forgery over the Internet.
Additional protection is offered to online users in the form of firewall technology. Firewalls monitor all data traffic to and from First Tennessee, ensuring that only known users are able to gain access.
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What if I forget my User Name or Password?
If you are a Business SuperUser, you can contact Business Service Center at 888-382-8998 to have your password reset after confirming your identity. If you are a regular business user, please contact the person with SuperUser rights in your organization to have your User Name or Password reset.
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What bills can I pay through Banking Online for Business?
You can pay practically anyone using First Tennessee's Banking Online for Business, including U.S. companies and individuals. The only payments not eligible for the service are those for alimony, child support payments, tax payments, and other court-directed or government payments, fines, and penalties. First Tennessee does not recommend using Bill Pay Online payment services to fund brokerage or investment services.
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How quickly are bills paid?
To guarantee on-time payment delivery, you will need to enter the processing date of all of your payments to be at least 5 business days before the actual due date.
*The due date is the day your payment must be received by the payee, not including your grace period. The scheduled date is the day you want to start the process of sending your money to the payee. (Scheduled dates can only be days the bank is open for business.)
TIP: To get a feel for Bill Pay Online payment, you may want to send a payment to yourself. You will see what the check looks like and that all of the pertinent information the payee needs is on the check, such as your name, address, and account number. Of course, many payments are made electronically.
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What can I do to ensure my payments are made on time?
  • Before making a payment, verify your payee's address and account information.
  • Use the payee name and address shown on your statement or coupon book. If your payee has a separate address for non-standard payments, use that address.
  • Allow at least 5 business days for payment.
  • Review your monthly paper statements to ensure your payee's address or account number has not changed.
  • Schedule your payments so processing will occur after pending deposits have been credited.
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What if a bill is not paid or is late?
If you follow the simple guidelines above, First Tennessee guarantees that your payments will be received on time. If you follow the guidelines and your payment was not received or was late, call 888-382-8998. Any late fees up to $50 per occurrence will be refunded. If a payment posts late due to a payee's delay in processing, First Tennessee cannot be held responsible for the late fees.
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What about stopping a payment?
If your payment was sent electronically or has been cashed by the payee, a stop payment request cannot be processed. We cannot guarantee a stop payment for 24 business hours.
Same day bill payment processing begins immediately after you initiate it. Therefore, once a same day payment request is completed, it cannot be modified or deleted by you or First Tennessee. Future dated payments can be modified or deleted until 5:00 PM Central time on the date the payments are scheduled to be processed.
Stop payments can be placed on payments that have already been processed for a fee of $20. Because the initial bill payment request will be sent, it may take up to five business days for funds to be returned to your account. The payee may assess a returned check fee for the stop payment, for which First Tennessee will not be responsible.
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What is the fee for Bill Pay Online payments?
For pricing information regarding Business Banking Online services, please contact your Relationship Manager, or call us at 888-382-8998.
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Can I have some payments made automatically?
Sure. It's easy to have recurring payments made automatically. (Recurring payments are those such as your mortgage payment which are the same amount every month and are paid at a set time.) You can schedule recurring payments using the Bill Pay Online option.
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How are bill payments processed?
The majority of online bill payments will be processed electronically. However, some payees do not have the appropriate systems to receive electronic payments; therefore, they will receive a paper check. First Tennessee's bill payment provider is continually working with payees to establish an electronic relationship.
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