Business- Business
- Savings
- Checking
- Rewards Card
- Loans
- Additional Services
- Member Testimonials
- Home
- Home Loans
- Refinancing Your Home
- Home Equity Loans
- Auto
- Auto Loans
- Refinancing Your Car
- Motorcycles
Resources- Resources
- Education
- Telephone Banking
- Prevent Identity Theft
- News
- Grow Financial Foundation
- SEG Program
- Insurance
- Additional Benefits
Locate ATM / StoreContact- Contact
- Contact Information
- FAQs
- Careers
Home › Business › Business Online & Mobile Banking
A Better Way to Bank for Your Business
When you’re busy running your business, seamless control over your finances is a must. Manage your money on the go with our secure mobile app, with access to your business accounts. Check balances, assign multiple users, deposit checks, send money, set up automatic Bill Pay, download data directly from QuickBooks® and more.
![Business Online & Mobile Banking (1) Business Online & Mobile Banking (1)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Account Users & Permissions
You’ll have complete control over your account access, with the ability to enable authorized users. Customize roles and permissions for different members of your team.
![Business Online & Mobile Banking (2) Business Online & Mobile Banking (2)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Mobile Deposits
Cash flow is the lifeblood of any business, so we make it easy to stay current. Snap a picture to deposit checks right from your phone, and with an easy-to-use dashboard, you can keep tabs on your debit and credit transactions too.
![Business Online & Mobile Banking (3) Business Online & Mobile Banking (3)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Wire Transfers
Domestic wire transfers are now available as an optional add-on service within online and mobile banking.1 Pay vendors more quickly and send money fast to anyone with a U.S. bank account.
A Digital Experience That’s Still Personal
Love the convenience of mobile banking but hate the impersonal experience that sometimes accompanies it? We totally agree. That’s why we make it a priority to be here when you need us. No hour-long waits on hold just to speak with one live human. When you need to connect with us quickly but can’t stop by a store location, our team is here to help, with both live chat and phone assistance options.
Contact Us
Additional data charges may apply. Please see your wireless carrier for more information.
1Subject to approval.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
![Business Online & Mobile Banking (4) Business Online & Mobile Banking (4)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733
You Are About To Leave GrowFinancial.org
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.
Continue
FAQs
To take advantage of online banking, you'll need an electronic device, an internet connection, and perhaps your debit card or account numbers.
What are the pros and cons of online and mobile banking? ›
To better understand online banking, consider these upsides:
- Higher Interest Rates and Lower Fees. ...
- No Minimum Balance. ...
- Convenience. ...
- ATM Access. ...
- Enhanced Online Experience. ...
- No In-Person Assistance. ...
- Limited Services. ...
- Limited ATM Access.
Why is my Citizens Bank card declining? ›
There are numerous reasons why a card may be declined. Most common reasons include a damaged EMV chip, exceeding transaction limits, or insufficient funds.
What are the risks of online and mobile banking? ›
If hackers gain access to your banking information, this puts you at risk of not only financial fraud — but also identity theft. Scammers use stolen personal data on the Dark Web to: Take out loans in your name. Open new credit cards and ruin your credit score.
What's the difference between online banking and mobile banking? ›
The biggest difference between the two is their functionality. Internet Banking allows you to conduct online transactions through your PC or laptop and an internet connection. On the other hand, mobile banking can be done with or without internet. Many banks nowadays have their mobile apps for mobile banking.
What is the safest device for online banking? ›
ONLINE BANKING WITH THE MOST SECURE ENDPOINT DEVICE
- A Windows PC, also in use for normal office tasks. ...
- PCs running other operating systems. ...
- A Windows PC, that is used solely for banking. ...
- Mobile platforms, tablets and smartphones. ...
- Chromebase and similar.
Which is safer online or mobile banking? ›
Are banking apps safer than Internet banking? Banking apps can be safer than using an online banking portal due to biometric-enabled login options for your phone and the app itself. Your face, your fingerprint and your phone are a lot harder to hack than your username and password.
What is the biggest drawback to online banking? ›
Disadvantages of Online Banking
- No Actual Branches. ...
- Tech-Related Service Disruptions. ...
- Concerns about Identity Theft and Security. ...
- Deposit Restrictions. ...
- Faster is Not Always More Convenient. ...
- No Relationship with a Personal Banker. ...
- Limited Services Scope. ...
- Possibility of Overspending.
What are 2 benefits to using online mobile banking? ›
What are the benefits of online banking?
- Access your account 24/7. ...
- Bank on your phone or tablet. ...
- It's quick and easy. ...
- Keep on top of your finances. ...
- Pay bills and make payments. ...
- Transfer money between accounts. ...
- Online doesn't mean there's no offline.
Can I block someone from taking money from my bank account? ›
A stop payment order gives your bank or credit union permission to block a company or vendor from taking money from your account. This process could be done over the phone, in an email, or in person. Some banks may charge a fee for this service.
Can You Track Someone Who Used Your Credit Card Online? No. However, if you report the fraud in a timely manner, the bank or card issuer will open an investigation. Banks have a system for investigating credit card fraud, including some standard procedures.
Why is my card declining when I have enough money in my account? ›
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
What is the biggest danger when online banking? ›
The risks of online banks
The biggest risk of online banks is that someone will access your savings or checking account and steal your information and money. This typically happens when your account is hacked by cybercriminals who get your username and password.
Can someone hack my mobile banking app? ›
Risks of mobile banking
The 2021 Nokia Threat Intelligence Report indicated that 50% of banking malware is targeted toward Android users, because Androids run on a fully open-source operating system. Cyberattacks triggered by hackers, unexpected glitches, and user mistakes can all undermine an app's security.
Which is one of the major problem in online banking? ›
Security. Security is one of the most significant challenges for online banking marketers because of the inherent concerns that are traditionally associated with banking online. Although banking systems are designed to be virtually impenetrable, cyberattacks and fraudulent activity are still a reality.
What is required for mobile banking? ›
Debit card: Enter the debit card number, expiry date, and ATM Pin. OTP-based registration: Enter your mobile number registered with the bank, and the OTP will be sent to you via SMS for registration.
What do you need to access your bank account online? ›
If your bank allows and you prefer, you can activate your online bank account online. If your bank does allow this, you'll either need to create a username or use one provided by your bank (an account number, for instance) you created along with a password. It's best to create a password that isn't easily guessable.
What are 3 tasks you can complete using either online or mobile banking? ›
Using online or mobile banking, you can perform tasks such as checking account balances, transferring funds between accounts, paying bills, and accessing account statements.
What are the 3 factors to consider in choosing banking services? ›
When choosing a bank, consider factors like security, bank fees, interest rates, location, ease of deposit, and digital banking capabilities. Other important considerations include minimum requirements, availability of funds, customer service, investment account options, and perks offered by the bank.