ACH Transactions – Using ACH payments, your business can electronically receive funds from customers to quickly convert payments into cash. ACH payments received are more secure and are generally credited to your account faster (4) than checks.

Mobile Check Deposit – Download the mobile app to deposit(1) checks anywhere with your mobile camera for free. Simply snap a picture of both sides of the signed check, chose your account, enter the amount, and send. You’ll immediately receive an email confirming receipt of the check image and the deposit will be processed and posted to your account within a few days. 

Remote Deposit Capture – Get faster access to your money by depositing(2) check images electronically that are generally credited to your account the next day(3), when deposited by 5:00 pm MST. Continental offers two different small desktop check scanners for purchase. Our single-feed scanners can run a check every 4 seconds and our multi-feed scanners can hold up to 50 checks at a time. Online Banking will keep two years of check image history for your records.        

ACH Payments – Avoid writing checks and manage payments to vendors and employees more easily online. Schedule one-time or repeating payments. Email us an excel file for batch uploads. For transactions to begin processing on the same day and settle in 1-2 business days, enter transactions before 5:00 pm MST(4). See FAQs for more.

Wire Transfers – Your security is our priority. That’s why we ask you to call into the bank at 888-858-7045 or email us, to set up wire transfers with one of our business operation consultants. Funds can be wired domestically or internationally in USD same day as long as the request is made before 4:00 pm MST. We can also set up future-dated and recurring wires for you. See FAQs for more. 

Bill Pay – Forget about postage and let Bill Pay be your cruise control. This is where you can use our calendar for setting auto payments to avoid late fees and missed due dates. Our Bill Pay network has 20,000+ registered payees (billers) that accept electronic payments. For small mom-and-pop payees, just add their information and leave the check cutting to us. There is no fee to enroll and you can even add payees and schedule future recurring payments on your phone. See FAQs for more. 

Debit Card – Our Mastercard debit card processes transactions in real-time so you always have an accurate account balance. Cards can be offered to any employee, and don’t worry—you can customize spending limits and specialized transaction controls for each card. Use the card in your smartphone digital wallet and opt into text alerts to receive notifications(5) if the card is used outside of parameters that you control. Plus, use your card at any ATM nationwide! 

Intuit QuickBooks® WebConnect Download – You can use Web Connect to download your Continental Bank transactions into QuickBooks® where you can reconcile your transactions all in an easy step. With Web Connect, you no longer have to search for downloads and import Quicken® Interchange Format (QIF) files—and you no longer will have duplicate transactions due to multiple QIF downloads. See FAQs for more.

Sweep Accounts – You can utilize this effective, low-risk way to balance your cash flow needs by “sweeping” excess funds in your primary checking account into a secondary, higher interest-earning savings or MMDA account. You can conduct a max of 6 transfers (sweeps) out of the account per month at no charge. See FAQs for more.

Overdraft Transfer Coverage – This service allows clients to link a coverage account (savings, money market, or secondary checking account) to your primary checking account so that available funds are automatically transferred to prevent overdrafts if the balance on your primary checking account is too low.  

Online Banking – Your digital experience with Continental Bank will be the same on a mobile or tablet app as it will be on your desktop online. Our platform securely allows day-to-day cash flow management to be done simply and with real-time processing speed. Users get account access, account information, transaction history, and can transfer funds, export data or utilize a host of other self-administration options. 

Mobile Banking – You can use our sleek, easy-to-use mobile banking app6 for iPhone®, iPad® or Android™. Mobile banking allows you to access real-time online banking through your smartphone or tablet where you can deposit mobile check images and practically anything else you could do on your desktop online.