Business Mobile Banking FAQs

Registration & Login:

Q: What is the Capital Bank Business Mobile Banking App?
A:
The Capital Bank Business Mobile Banking App is a service that enables you to access your account information, transfer funds, and approve cash management transactions initiated through Commercial Online Banking (for eligible customers) from an iOS or Android mobile device with Internet access from either a WIFI source or the 3G/EDGE networks. Currently available for Android, iPhone, and iPad.

Q: How does the Capital Bank Mobile App work?
A:
First you must download our Mobile App from the iTunes App Store or Android Market. You can do this either from your mobile phone or computer. If you do access our App from your computer, the App will install on the mobile phone the next time the phone is plugged in to the computer. Once you download the App, you log in with the same user ID’s and passwords that you use for commercial online banking. No separate or different registration is required. Once logged in, you can:

Q: Who is allowed to use the iPhone or Android Business Mobile Banking Applications?
A:
Any Commercial Online Banking customer who has been enabled for the service may access the App. 

Q: What does the customer need in order to register for the application?
A:
The only requirement is for the customer to be enrolled for Commercial Online Banking. Customers should speak with their Treasury Management officer or contact the eBanking Helpdesk at 1-800-639-5111, for more details.

Q: Where do I go to download the Business Mobile App?
A:
You can search for Capital Bank’s Mobile Business app in the App Store for apple devices or Google Play for Android.  You can also find a link to the app on our Business Mobile Banking page.

Q: What login credentials should customers use?
A:
Company administrators and system users will use the same credentials they use when logging in to the Commercial Online Banking system.

Q: How do I reset my password?
A:
Company administrators should contact the eBanking Helpdesk at 1-800-639-5111, and system users should contact their company administrator to have their passwords reset. Passwords have to be reset within the Commercial Online Banking system.

Troubleshooting Errors:

Q: I’m receiving an error indicating “Password is expired and must be changed before proceeding”, what should I do?
A: The password must be updated within the Commercial Online Banking system. The Business Mobile Apps will not allow changes or updates to login credentials.

Q: I cannot logout from the application, what should I do?
A:
The customer should select the Log Out icon in the upper right hand corner of the App.

Q: When I search Capital Bank’s Mobile Business app in the Google Play (Android Marketplace), I can’t find the App?
A:
Our app has certain requirements that must be met by an Android device to operate correctly.  If your device doesn’t meet these, the app is not displayed in the store for your device.

Q: I am trying to register on the App; it keeps saying I cannot be verified?
A:
If you are certain you are entering the correct information, please call the eBanking Helpdesk at 1-800-639-5111, for assistance.

Q: I received an error message 201, what does that mean?
A:
This could be a one-time occurrence due to a connectivity problem.  Please try the operation again.  If the issue re-occurs, please contact our eBanking Helpdesk at 1-800-639-5111, for assistance.

Q: I’m receiving an error message, null, what does this mean?
A:
This could be a one-time occurrence due to a connectivity problem.  Please try the operation again.  If the issue reoccurs contact our eBanking Helpdesk at 1-800-639-5111, for assistance.

Features & Functionality:

Q: Will we have the capability to scan checks from this App?
A:
Not initially but Capital Bank will be working to have this feature rolled out in the near future.

Q: Can I use Bill Pay through the App?
A:
No, Bill Pay is not available on the Business Mobile App.

Q: Are there any alerts available within the App?
A:
 Yes, currently the app allows alert notifications for Setting Changes and Internal Transfer alerts based on amount thresholds. Additional alerts will be available in a future release.

Q: How can I setup an Alert?
A:
Alerts can be enabled by selecting the menu icon, Settings, and Security Alerts.

Q: I have multiple accounts, but I can’t do a transfer from one account to the other? 
A: Account transfer rights should mirror those established within the Commercial Online Banking system. If you find they’re not, please contact our eBanking Helpdesk at 1-800-639-5111, for assistance.

Security:

Q: Is it safe to bank using the Business Mobile App service?
A:
Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your passwords are never stored on the mobile device.

Q: Why am I prompted to enter a One Time Passcode (OTP) at each login?
A:
For the security of your accounts, a one-time passcode will be required for each online session request.

Q: Should I use a password for my mobile device?
A:
Yes, you should always secure your mobile device with PIN or Password.

Q: Will I need to use Tokens with the Business Mobile Banking Product?
A:
Yes, you will be required to enter a Token code when approving Cash Management transactions.

Q: Are there any Best Practices or Security Precautions I should follow when using mobile banking?
A:
 Yes, click here to be redirected to the Capital Bank website for more details on Mobile Banking Security Precautions.

Q: What should I do if I lose my device?
A:
If your device is lost or stolen, call 1-800-639-5111.

Q: How do I know if I am downloading a legitimate app?
A:
Capital Bank is listed as the seller.