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Business Banking Security Update

Through active participation with our clients, including their management, staff and professional consultants, we frame and package business banking deposit accounts and complementary services to meet customer needs of today and sometimes more importantly, of tomorrow. 

Cash Management
Cash is 'king' in your business and we understand that. Sales and profits are important and you need cash to keep your operations running smoothly from salaries and overhead to equipment needs and investing in and growing your company and everything in between. Cash management services will help ensure that your cash is flowing in the direction you need to keep your business running the way that you want it to. At MutualBank, we offer a complete line of cash management services designed to help you do just this.

Sweep Account
Have excess in your checking beyond your operating expenses? Maximize your funds and make the most of your money by sweeping the excess to an investment account automatically each day.

Online Banking
Save time, improve your cash flow, and streamline your cash management procedures in a fully secure environment. Business Online Banking allows you to initiate ACH origination for payroll and federal government tax payments, all at your fingertips. From this interface, retrieve check images, information reporting, make internal transfers, wire transfers and more. Also convenient, reporting from Online Banking is compatible with a variety of payroll software applications. Enjoy the convenience of managing your cash through online business banking at bankwithmutual.com. Features include:

  • ACH
  • Check images
  • Information reporting
    • Transaction activity
    • Daily balances
    • Historical reporting
  • Internal transfers
  • Wire transfers

Bill Pay
Eliminate the hassle of cumbersome checks. Quickly and conveniently pay your vendors online! Pay current, future and recurring bills from your MutualBank business checking account. Set up to receive free electronic bills. There is a one-time set up of accounts, no checks to write, stamps to purchase or trips to the post office.

Remote Deposit Capture
Remote Deposit capture is a simple and secure way to deposit to your business account, without ever leaving your office. Deposit business checks anytime, anywhere with this service.

  • Save time. Eliminate preparation and travel time for making deposits. Scan and transmit your deposit checks from the convenience of your office. Eliminate preparation and travel time for making deposits. Scan and transmit your deposit checks from the convenience of your office.
  • Save money. Potentially consolidate banking relationships since deposits can be made electronically.
  • Improve funds availability.
  • Experience greater accuracy. Balance deposits by comparing amounts for checks entered. . Balance deposits by comparing amounts for checks entered.
  • Access current information. Export check information to be imported into accounting software. Export check information to be imported into accounting software. 
  • Retrieve secure, online reports.

Debit Cards
The business debit card is more than a checkbook and better than an ATM card. It is fast, easy and accepted anywhere Visa is accepted. Access your company funds or make deposits 24 hours a day, 7 days a week.

Merchant Services
In merchant services, as in most of banking, there is no one product that suits every client. Through our new partnership with Security Card Services, we can offer each merchant the technology most suited to your business — whether you process a handful of transactions a week or millions.

From check and card readers to point-of-sale, contactless, and wireless terminals, Security Card Services offers an array of products and services to ensure you can handle any payment method your customers throw at you.
Ask your banking representative for more information.
 

Complimentary Services
An experienced business banker will work with you to determine which amenities are best suited for your business needs. Following are a few that may meet your set of circumstances.

Mutual At Work
Looking for low or no-cost benefits to attract and retain employees? Our Mutual At Work program extends beyond traditional banking to offer solutions concerning many businesses today. Mutual At Work provides a value-added benefits package as well as increased awareness of your existing benefits. Your business qualifies to offer Mutual At Work based on your relationship with MutualBank. Once you agree to offer Mutual At Work, your employees will receive:

  • free checking
  • debit card
  • online banking
  • special offers

Health Savings Accounts
HSAs are tax-advantaged deposit accounts used for medical expenses and can provide significant tax benefits to eligible individuals. They may also provide benefits similar to many tax favored retirement plans. Participants must be enrolled in a High Deductible Health Care Plan (HDHP).

An HSA account is much like an Individual Retirement Account (IRA) except that both deposits and qualified withdrawals may be tax-exempt. Individuals and their employers may deposit money into a HSA up to an annual dollar limit, additional catch-up contributions are allowed for those ages 55 to 65. Account balances can be used to pay for a wide range of medical expenses. After age 65, you may use your HSA account to augment regular income by paying ordinary income tax on withdrawals for non-medical expenses.

Savings and Investment Management
As your assets grow, you need investment and savings tools that allow your money to work for you. MutualBank and MutualFinancial Investment Services offer a full array of savings and investment products which include savings, CDs, money markets, stocks, bonds and mutual funds. We will work with you to determine your goals and help you create a savings plan that makes sense. After all, we know that it’s all about helping your money grow.

MutualWealth Management Group
You've spent your whole life pursuing success. Now it's time to enjoy its rewards. An excellent wealth management team can help you do just that. But not just any wealth management team - you want a group of top-notch financial experts who will implement innovative strategies to multiply your wealth, who will put together a customized strategy that protects your wealth while leaving some room for you to have a little fun, too. MutualWealth can help you craft a financial plan that works as hard as you always have - one that helps you create a legacy by allowing you to pass on your wealth without giving away too much in taxes. With smart strategy and the right planning, MutualWealth can ensure your money gets to its intended destination, so you can preserve your family's wealth for generations to come.

And as a business owner, your employees rely on you to provide retirement plans and services that will meet their needs now and later in life. As an employer, you want to provide them with the best benefits plan you can. MutualWealth Retirement Plan Services offers you a customized solution built on an open investment platform that gives your employees the flexibility of a diverse group of fund families. Whether the plan is for a single participant or a group of employees of a corporation, utility, small business, school or hospital, we offer a comprehensive, all-inclusive program.

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    Tuesday, April 15, 2014

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Personal Banking Security Measures for the 21st Century

clientuploads/21st-Century-Securitysquare180.pngMany of us are constantly connected to the online world these days. This means that the potential is there for our computers and personal information to be compromised which greatly increases the risk of ID theft and financial fraud to occur. However, by taking some basic precautions you can significantly reduce the risk of your computing environment being compromised. Following these simple guidelines should help your computing environment become more secure:

Keep your computer and software up-to-date

Keep your computers and network equipment secured with the latest software updates and enable automatic updates whenever possible.  This includes updates to third party applications such as Java and Adobe Products.  

Use hard drive encryption

In the event your machine is lost or stolen, drive encryption can prevent others from accessing the data on your hard drive.  The purpose is to encrypt or scramble your data on your machine so that it can only be read with your encryption key.Many operating systems offer drive encryption.  Microsoft offers Bitlocker and Apple has FileVault. There are also other third party encryption offerings.   

Enable your firewall

Think of the firewall to your computer as the fence around your property.  If there were multiple holes cut in the fence, it wouldn’t be very useful at keeping people out.  Firewalls are typically enabled by default on Windows machines, but double check to make sure it’s on.  Here are instructions to do so if you are using Windows 7. Only allow necessary applications inbound access through your firewall. The same principles apply to your network firewall. 

Configure your screensaver

Set an auto-locking screensaver so your account gets locked out after a few minutes.  This is useful if you forget to lock your machine when are away from it. On Windows machines this can usually be done by pressing the “Windows Key” and the “L” button simultaneously.

Make your passwords stronger

The longer and more complex the password, the better.  At least 16 characters with a combination of upper and lowecase letters, numbers, and special characters is a best practice.

Configure your router

Use the strongest wireless security available (currently WPA2-CCMP) with a long and complex password for your wireless network. Disable WPS on your wireless router for greater security.   

 


Think that some secure banking information
of yours has been compromised?

If you suspect that your personal financial information has been compromised, call MutualBank Customer Support at 800-382-8031.


 

Monday, April 7, 2014

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Business Services

https://www.bankwithmutual.com/clientuploads/Banners/Testimonial5-JF.jpg

Business Banking Security Update

Through active participation with our clients, including their management, staff and professional consultants, we frame and package business banking deposit accounts and complementary services to meet customer needs of today and sometimes more importantly, of tomorrow. 

Cash Management
Cash is 'king' in your business and we understand that. Sales and profits are important and you need cash to keep your operations running smoothly from salaries and overhead to equipment needs and investing in and growing your company and everything in between. Cash management services will help ensure that your cash is flowing in the direction you need to keep your business running the way that you want it to. At MutualBank, we offer a complete line of cash management services designed to help you do just this.

Sweep Account
Have excess in your checking beyond your operating expenses? Maximize your funds and make the most of your money by sweeping the excess to an investment account automatically each day.

Online Banking
Save time, improve your cash flow, and streamline your cash management procedures in a fully secure environment. Business Online Banking allows you to initiate ACH origination for payroll and federal government tax payments, all at your fingertips. From this interface, retrieve check images, information reporting, make internal transfers, wire transfers and more. Also convenient, reporting from Online Banking is compatible with a variety of payroll software applications. Enjoy the convenience of managing your cash through online business banking at bankwithmutual.com. Features include:

  • ACH
  • Check images
  • Information reporting
    • Transaction activity
    • Daily balances
    • Historical reporting
  • Internal transfers
  • Wire transfers

Bill Pay
Eliminate the hassle of cumbersome checks. Quickly and conveniently pay your vendors online! Pay current, future and recurring bills from your MutualBank business checking account. Set up to receive free electronic bills. There is a one-time set up of accounts, no checks to write, stamps to purchase or trips to the post office.

Remote Deposit Capture
Remote Deposit capture is a simple and secure way to deposit to your business account, without ever leaving your office. Deposit business checks anytime, anywhere with this service.

  • Save time. Eliminate preparation and travel time for making deposits. Scan and transmit your deposit checks from the convenience of your office. Eliminate preparation and travel time for making deposits. Scan and transmit your deposit checks from the convenience of your office.
  • Save money. Potentially consolidate banking relationships since deposits can be made electronically.
  • Improve funds availability.
  • Experience greater accuracy. Balance deposits by comparing amounts for checks entered. . Balance deposits by comparing amounts for checks entered.
  • Access current information. Export check information to be imported into accounting software. Export check information to be imported into accounting software. 
  • Retrieve secure, online reports.

Debit Cards
The business debit card is more than a checkbook and better than an ATM card. It is fast, easy and accepted anywhere Visa is accepted. Access your company funds or make deposits 24 hours a day, 7 days a week.

Merchant Services
In merchant services, as in most of banking, there is no one product that suits every client. Through our new partnership with Security Card Services, we can offer each merchant the technology most suited to your business — whether you process a handful of transactions a week or millions.

From check and card readers to point-of-sale, contactless, and wireless terminals, Security Card Services offers an array of products and services to ensure you can handle any payment method your customers throw at you.
Ask your banking representative for more information.
 

Complimentary Services
An experienced business banker will work with you to determine which amenities are best suited for your business needs. Following are a few that may meet your set of circumstances.

Mutual At Work
Looking for low or no-cost benefits to attract and retain employees? Our Mutual At Work program extends beyond traditional banking to offer solutions concerning many businesses today. Mutual At Work provides a value-added benefits package as well as increased awareness of your existing benefits. Your business qualifies to offer Mutual At Work based on your relationship with MutualBank. Once you agree to offer Mutual At Work, your employees will receive:

  • free checking
  • debit card
  • online banking
  • special offers

Health Savings Accounts
HSAs are tax-advantaged deposit accounts used for medical expenses and can provide significant tax benefits to eligible individuals. They may also provide benefits similar to many tax favored retirement plans. Participants must be enrolled in a High Deductible Health Care Plan (HDHP).

An HSA account is much like an Individual Retirement Account (IRA) except that both deposits and qualified withdrawals may be tax-exempt. Individuals and their employers may deposit money into a HSA up to an annual dollar limit, additional catch-up contributions are allowed for those ages 55 to 65. Account balances can be used to pay for a wide range of medical expenses. After age 65, you may use your HSA account to augment regular income by paying ordinary income tax on withdrawals for non-medical expenses.

Savings and Investment Management
As your assets grow, you need investment and savings tools that allow your money to work for you. MutualBank and MutualFinancial Investment Services offer a full array of savings and investment products which include savings, CDs, money markets, stocks, bonds and mutual funds. We will work with you to determine your goals and help you create a savings plan that makes sense. After all, we know that it’s all about helping your money grow.

MutualWealth Management Group
You've spent your whole life pursuing success. Now it's time to enjoy its rewards. An excellent wealth management team can help you do just that. But not just any wealth management team - you want a group of top-notch financial experts who will implement innovative strategies to multiply your wealth, who will put together a customized strategy that protects your wealth while leaving some room for you to have a little fun, too. MutualWealth can help you craft a financial plan that works as hard as you always have - one that helps you create a legacy by allowing you to pass on your wealth without giving away too much in taxes. With smart strategy and the right planning, MutualWealth can ensure your money gets to its intended destination, so you can preserve your family's wealth for generations to come.

And as a business owner, your employees rely on you to provide retirement plans and services that will meet their needs now and later in life. As an employer, you want to provide them with the best benefits plan you can. MutualWealth Retirement Plan Services offers you a customized solution built on an open investment platform that gives your employees the flexibility of a diverse group of fund families. Whether the plan is for a single participant or a group of employees of a corporation, utility, small business, school or hospital, we offer a comprehensive, all-inclusive program.

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