Business Digital Banking delivers robust business solutions by providing easy access to account information, and the flexibility to conduct banking transactions anytime, day or night. Our Bill Pay, custom alerts and notifications, eStatements and fraud prevention solutions all help make Business Digital Banking a powerful resource for your business banking needs.

The Business Digital Banking online and mobile banking application provides businesses a variety of products, services, features and benefits, from basic daily balance information and transaction activity to reporting and data exports.

What you can expect:

ACH.*

BAI reporting.

ACH EDI reporting.

Mobile access (WTB Business).

Payment and system alerts (balances, transactions, approvals pending, user maintenance, etc.).

Stop payments.

Templates.

Transfers (many to one, one to many).

View check and deposit images.

Wires (domestic and international).

Direct payments.

Scheduled exports.

Notice: For Businesses using WTB Online, click here for more information.

Positive Pay and Reverse Positive Pay
Check payments are the dominant payment form targeted by criminals, making it critical for businesses to adopt smart defenses. With Positive Pay or Reverse Positive Pay, you can protect your business accounts from fraud and avoid costly financial losses. We make it easy to review questionable checks and return unauthorized items to avoid losses.

Your business is your lifeline, and we're here to help you protect it. Click here to visit our business security help center.

Fraud prevention for ACH withdrawals.

ACH debit block and positive pay.
Washington Trust Bank makes it easy to collect ACH electronic funds safely and securely utilizing a range of ACH fraud prevention solutions for your business. Debit Block and Positive Pay give you the ability to preauthorize, review, block and even receive alerts for any ACH debit activity you choose.

Remote deposit capture.
Save time and money by sending deposits electronically from your desktop to Washington Trust with remote deposit capture. This easy, secure solution allows you to deposit checks into your company’s account without ever leaving your office or place of business. Watch the demo video here. Features include:

Eliminate daily bank runs and associated risk to internal employees.

Initiate deposits on your schedule, anytime day or night.

Instant access to detailed reports on all deposits.

Same day ledger credit on deposits made before 8:00 p.m. PST.

Using ACH with Business Digital Banking

Information for companies using ACH to collect money via business digital banking.

If you use Business Digital Banking for ACH collections and initiate debit transactions for which authorization was obtained online or via telephone, special ACH rules apply. The appropriate Standard Entry Class Code, WEB or TEL, must be used AND specific guidelines must be followed.

If you use one of these methods (WEB/TEL), you must contact Washington Trust Bank prior to January 31, and we will provide the required compliance information to you. Non-compliance with the ACH rules can result in significant fines and penalties.

Please contact our Commercial Services Group at 866.765.2915, or email csg@watrust.com for further information.