Business Banking!

With SOCU’s Business Banking feature, you may toggle between your personal account AND your business account through your personal SOCU online banking/mobile app. To enable the business banking feature, please contact the SOCU Virtual Communications Center. After SOCU Business Banking has been enabled, you will be able to:

Add a Share
Add and Manage Users
Perform ACH transactions for payroll and other business needs

Call or Text us at (815)673-5577 and we'll get you set up!

With the new SOCU 'Business Banking' feature within BankJoy, members will now be able to toggle between their account(s) and their business account. The member/business will no longer need two separate logins! To enable this feature for a business, please contact the SOCU Virtual Communications Center.

After SOCU Business Banking has been enabled:

The authorized signer/member will be able to move between their personal and business online banking profile by selecting the account within the drop-down menu.

The authorized signer/member will also have the ability to add Users to their business account profile by selecting ‘Manage Users.’ Note: Setting up a User will not change their original account agreement. The authorized signer is responsible for creating and/or editing their Users. SOCU will not be creating those for the authorized signer.

This is also where they can add a User and fill out their information.

There are three (3) different User roles that the authorized signer can create:

Administrator: Full Access to the online banking account: Conduct Transactions- Internal/Externals Transfers RDC deposits, etc., View Statements, Add additional Users, Account Changes etc. Member should only be giving this privilege to other authorized signers on the account.
Transactor: This role can perform transactions on the account- Internal/External transfers, RDC Deposits etc.
View Only: This User role will have the ability to view specific accounts that the authorized signer allows. No transactions may be performed.

Inside each User profile the authorized signer/member will be able to set individual ACH and Wire Transfer limits, as well as choose which accounts they will have access to.