BUSINESS ONLINE and MOBILE BANKING

FREQUENTLY ASKED QUESTIONS (FAQs)

[Last updated 10/17/2025]

FAQs

What are the ACH and Wire Cutoff Times with the new system?

  • ACH Cutoff - 4:30 p.m. Eastern Time.
  • Wire Cutoff:
    • Domestic - 6:00 p.m. Eastern Time
    • International - 4:00 p.m. Eastern Time

 

Where do I download the Potomac Bank Mobile App?

 Download the Potomac Bank Mobile App from the Apple Store or Google Play Store.

 

Examples of business services on our Mobile Apps:

Potomac Bank Mobile App for Apple Devices

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BCT_Business_Mobile_iPhone_App_updated_2023-07-27

 

Potomac Bank Mobile App for Android Devices

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BCT_Business_Mobile_Android_App_updated_2023-07-27

 

May I deposit checks using the Mobile App?

Yes.  The process to make a mobile deposit of a check(s) using our Potomac Bank Mobile App is almost like taking a picture with your device.  Simply select "Deposit Check" in the menu and follow the instructions.  Your device must have a camera to make a mobile deposit.  If you make several check deposits on a regular basis, our Remote Deposit Capture (RDC) service may be a better fit.  For the RDC service, you will receive a check deposit machine for your office just like the ones our Tellers use. If interested, contact our Cash Management Support team at 304-728-2409 or by email at [email protected].

When will funds be available for mobile deposits?

Funds are available from mobile deposits using the Potomac Bank Mobile App the next business day after clearing our approval process.  This is a change from the previous mobile deposit process. 

How do I update my email address and other contact information in the Online Banking system?

See "My Settings" within your Online Banking account.  There are step-by-step instructions in that section.

What are the benefits of the Business Online and Mobile Banking solution?

The Business Online and Mobile Banking solution includes several enhancements and helpful features, including:

  • A seamless, personalized banking experience across all devices including an optional view of business and personal accounts
  • Quicker access to key features, making it easier to find the information and tools you need
  • Customizable reports for your business needs
  • Mobile secure approvals for Wires and ACH, including payroll

How do I LOGIN to the Business Online Banking system?

Contact our Cash Management Support team who will explain the Online Banking system and LOGIN process.  You may contact them here: 304-728-2409 or by email at [email protected]. 

What about BillPay?  

Good news.  Our Online Banking system provides for a robust payment system to your company to pay bills on the fly or with recurring, scheduled payments.  

IMPORTANT:  Email is not secure.  When emailing, do not include account information, social security numbers, or any sensitive information on this form.