When you need information about your accounts at Irwin Bank & Trust Company, it's as close as your touch-tone telephone or computer.
In-Touch Banking is a FREE service that allows you to access account information using a touch-tone telephone. You can check account balances, history, transfer funds and place stop payments. In-Touch Banking is available 24 hours a day, seven days a week.
Our Internet Banking service, IBT e-Link for Business, is an advanced on-line banking solution. It is available with a variety of features that can be tailored in different ways to best fit your financial management needs. With basic IBT e-Link for Business, you can transfer funds between checking and savings, review recent check history, or place a stop payment on any check not paid. Bill payment is also available.
IBT e-Link for Business Money Manager provides the same functionality as IBT e-Link for Business plus additional features and services, including available ACH capability. (See the complete list on the back).
In addition, you will have advanced administrative options that can simplify how you manage your company's finances.
As the account holder, you determine the individual employees authorized to access IBT e-Link for Business with Money Manager. You have complete control at each user access level, even the ability to determine which accounts they can access and whether permission is granted for inquiry, transfer, bill payment or stop payment.
With IBT e-Link for Business, you now have complete banking capability for all aspects of your company's financial management right on your desktop. What could be more convenient?
Costs for IBT e-Link for Business vary depending on the level of services you choose. Some services are available at no charge as part of Irwin Bank account packages. Ask your relationship manager which service package best fits your business.
| IBT E-Link basic |
IBT E-Link w/bill pay |
IBT E-Link Money Manager |
IBT E-Link Money manager w/ACH |
|
|---|---|---|---|---|
| Security | ||||
| Customer defined ID, enhanced password. | X | X | X | X |
| Multi layer access | X | X | ||
| Access Balance Inquiry* |
||||
| mortgage loans, commercial loan | X | X | X | X |
| View History | ||||
| Deposit Accounts | X | X | X | X |
| Advanced Search of History | X | X | X | X |
| View Memo Debits/Credits | ||||
| Deposit accounts | X | X | X | X |
| Transfer between accounts* | X | X | X | X |
| (I=into only, I/O in or out) | ||||
| Deposit Accounts | I/O | I/O | I/O | I/O |
| Consumer Loans | I | I | N/A | N/A |
| Consumer Lines of Credit | I/O | I/O | N/A | N/A |
| Commercial Lines of Credit | I/O | I/O | ||
| Mortgage Loans | I | I | I | I |
| Commercial Loans | I | I | ||
| Future date transfers (30 days) | X | X | X | X |
| Make Payments to IBT Loans* | ||||
| Consumer Loans | X | X | N/A | N/A |
| Mortgage Loans | X | X | X | X |
| Commercial Loans | N/A | N/A | X | X |
| Bill Payment Available* | N/A | X | X | X |
| # payments | N/A | 15 | 20 | 20 |
| Excess payment charge | N/A | $0.75 | $0.75 | $0.75 |
| Bill Payment Features* | ||||
| Future date payments (30 days) | N/A | X | X | X |
| Schedule recurring payments | N/A | X | X | X |
| Stop Payment Features | ||||
| Place stop of stop range | X | X | X | X |
| View Stops | X | X | X | X |
| Change PIN/Password | X | X | X | X |
| Reorder Checks | X | X | X | X |
| Wire Transfer Features* | ||||
| Initiate wire transfers | N/A | N/A | X | X |
| Future date wires | N/A | N/A | X | X |
| ACH Features* | ||||
| Initiate ACH batches, import ACH files, schedule recurring files, future date ACH files |
N/A | N/A | N/A | X |
| Monthly Fee | Free | $10 | $30 | $50 |
*Access can be blocked by account or user level. Some restrictions may apply.
Revision 10-05
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