Keeping Your Finances Flexible
Your Treasury Management Team at Investors Community Bank has the expertise and services to streamline your day-to-day cash flow needs. Through customized solutions focused on what’s important to you, we will partner with you from collection to disbursement, helping you efficiently manage, protect and distribute your funds.
Our treasury management tools include:
- Business Online Banking
- Zero Balance Accounts (ZBA)
- Automated line of credit sweep
- Electronic Data Interchange Reporting (EDI)
- Soft tokens
Achieve convenient, high-level security through a strong form of two factor authentication
Soft tokens — short for software tokens — are used for authenticating business customers when logging in and making transactions. Tokens use a time-based algorithm to generate a one-time password that is used to verify identity. Users are then presented with an encrypted image that is scanned through the mobile app, creating a digital signature. Tokens are secure, easy to use and more convenient than hard tokens.
Soft Tokens FAQ
What is a soft token?
A soft token is a software app that is downloaded and installed on your Apple or Android device. The app adds an extra layer of protection to your Business Online Banking, using dual control by generating a one-time password each time you log in. This unique string of numbers is used when logging into your account or completing certain transactions such as ACH or wires.
Who can use soft tokens?
A business that has ACH Manager or Wire Manager.
How do I enroll my business?
Contact your Business Cash Management Services Specialist.
Where can I find the app?
You can download the free soft token app by searching for “DIGIPASS for Business Banking” in either the Apple or Google Play app stores.
How do soft tokens work?
The soft token app protects access to your Business Online Banking account by generating a unique, one-time password that you will use each time you log in to your account.
What if I enter the wrong number when logging in?
If you enter the wrong one-time password/PIN combination, just re-enter the correct numbers generated by the app and your PIN.
What happens if I lose my DIGIPASS registered device?
When setting up the soft token, you have the option to register more than one device. If you should misplace your smartphone, you can log in with another device. Another option would be to get a new phone and re-register the new phone. At that point, you would need to also re-install the app.
Can I switch from a hard token to a soft token?
Contact Electronic Banking Customer Service at 920-645-6191 to assist in switching your token type.
You can switch from a hard token to a soft token by logging into your Business Online Banking account, selecting the Profile page and following the instructions to make the switch. You’ll then turn in your hard token to your Business Cash Management Services Specialist or to a Personal Banker for return to the Electronic Banking department.
What are the best ways to keep my app and account secure?
You should always start by enabling the passcode or biometric access to your smartphone to protect access to your device. The DIGIPASS for Business Banking app also gives you the option to create a regular password or to set up a biometric login so you can then generate a one-time password or a digital signature for accessing your account.