Business Online Frequently Asked Questions


System Access

Balance Reporting




Q. What can I do with Business Online?
A. With Business Online, you can access your business accounts at City National via the Internet.

  • Obtain current and previous day balances and detail transaction information (checking, savings and loans)
  • Process real time account-to-account transfers
  • Obtain images of paid checks and deposit tickets
  • Process stop payment requests

Q. When can I use Business Online?
A. You can view the balances and activity in your account 24 hours a day, seven days a week except for normal maintenance periods. Some transactions may be initiated at any time. Other transactions can only be initiated during City National's normal business hours.

Q. Can I export my financial information to QuickBooks or other accounting software packages?
A. City National offers QuickBooks Direct Connect service at no additional charge with Business Online. You can also export files in comma delimited (.csv), tab-delimited (.txt) or BAI2 formats.

Q. Why does my session time out?
A. If your session is inactive (if you have not submitted any transactions) for a designated period of time (determined by City National), the session will automatically terminate and you will need to log in again. Your online service is designed this way to provide you with increased security in case you forget to log out.

Q. How many accounts can I access?
A. You can access the accounts that were designated when you signed up for the service.  To have accounts added or removed from the service, contact your banking office or relationship manager.

Q. How do I get additional help during a session?
A. Use the Help button within the application or contact Client Services between {{8005990020_hours}} at {{8005990020_treasury_call_center}}.

Q. What should I do if I need help accessing Business Online?
A. Call Client Services between {{8005990020_hours}} at {{8005990020_treasury_call_center}}.

Q. What should I do if I forget my User ID or Password?
A. If you forget your User ID, contact your system administrator. If you are the system administrator call Client Services between {{8005990020_hours}} {{8005990020_treasury_call_center}}.  For Passwords, simply click "Forgot Password" on the log on screen.

Q. I am having difficulty connecting to Business Online; what should I do?
A. Business Online is normally available 24 hours a day, seven days a week for your use. If you encounter difficulties connecting to the system, you should contact Client Services between {{8005990020_hours}} {{8005990020_treasury_call_center}}. Our technicians will help you determine why you are unable to access the system.

Q. Are transactions processed in real time?
A. How an item is processed depends on the type of transaction. Most paper items (checks/deposits) are processed in a batch environment and are updated nightly. Other transactions such as wire transfers, book transfers and stop payments are posted immediately to your accounts.

Q. Is there a limit to the number of accounts I can add?
A. You may add up to 5 accounts on Business Online.  If you have more accounts, City National Treasury NetSM may be right for you. Contact your Banking Office or Relationship Manager for information about Treasury Net.

Q. I have more than one account at City National. Can I transfer funds between my accounts?
A. You can transfer funds between business accounts with certain restrictions. Contact Client Services between {{8005990020_hours}} at {{8005990020_treasury_call_center}}.

System Access

Q. Can I set up different access privileges for my employees?
A. Yes. Business Online has multiple access levels at the user, account and application level. The user profile can be set as flexible as your business needs dictate.

Balance Reporting

Q. How far back can I view my transactions?
A. You can select up to 180 days of account history and up to 18 months of online statements for deposit accounts. To see earlier activity, we suggest you regularly download history, either to your hard drive, a CD-ROM or print copies for your files.

Q. Can I access an Account Statement?
A.  You can access up to 18 months of Online Statements, which are a pdf version of your paper statement.

Q. What is the difference between the current balance, the available balance, the collected balance and the ledger balance for my checking account?

  • Current balance is your balance as of right now. It includes any transactions that have been posted online to your account during the current processing day.
  • Accessible balance is the balance in your account that is available for you to use. This balance may be lower than your current balance when holds are placed on deposits.
  • Collected balance is the balance in your account that has been collected. This balance reflects the impact of float on your deposits.
  • Ledger balance is the balance in your account at the end of the prior business day. Companies typically use this balance to reconcile their bank accounts.


Q. Can I use a beta browser to bank online?
A. You will not be able to use beta versions of browsers to access Business Online. City National Bank does extensive testing with browsers prior to certifying compatibility with the system. Once a browser is certified, existing clients will be notified.

Q. What makes one browser more secure than another?
A. Browsers offer varying degrees of security, particularly in regard to encryption:

  • Some browsers allow you to encrypt information, so that the information is scrambled as it passes over the Internet.
  • Some browsers offer more secure forms of encryption than other browsers do.

Q. Why does City National Bank require 128-bit encryption?
A. It is the industry standard for online encryption and is one of the most secure methods currently available to process transactions.

Q. Why shouldn't I use the "back" or "forward" commands on my browser?
A. For security reasons, we strongly recommend that you not use the browser '"Back" and "Forward" buttons.


Q. Is Business Online safe and secure?
A. City National currently offers several levels of security to help safeguard your financial information when transmitted online.

  • Strong Encryption (128-bit). All data sent to and from City National is "scrambled" and "reassembled" between City National and your personal computer to help protect your personal and financial information. 128-bit encryption, the highest level of encryption generally available today, means there are 2128 possible combinations of "keys" but only one will "unlock" the information.
  • Two-tier Logon. The User ID and Password must be entered to access account information.
  • Automatic Time Out. When there is no activity for a defined period of time, City National will terminate your Business Online session to help protect against unauthorized access.

Q. What are the minimum system requirements for Business Online?
A. Microsoft Windows® XP (SP3) or higher
Internet Browsers Supported:

  • Microsoft® Internet Explorer version  7.0 or higher (for Windows)
  • Firefox 2.x (for Windows and Macintosh®)


  • High speed internet or broadband connection
  • Firewall Protection
  • Anti-Virus and Anti-Spyware Software

Q. How does City National protect my privacy?
A. Keeping client information secure and using it only as our clients would want us to is a top priority for all of us at City National. Please refer to the Privacy section located on the home page.

Q. How do I know if my banking session is encrypted?
A. Internet Explorer Browser

  • Click on "Help," then "About Internet Explorer."
  • You will see a new window with version and Cipher security.
  • Your cipher strength (encryption) should be 128-bit.