Business Online Banking
Online Banking For Your Ideal Business Account
Ideal Credit Union is proud to offer secure, online banking services for business banking accounts. Our Ideal Credit Union Business Online Banking services make it convenient for you to access your accounts, send wires, assign access rights and receive statements online. As always, this great service is free and available 24/7.
Business Digital Banking Benefits
Enroll in Business Online Banking
Stop in to any Ideal CU location or call us at 651-770-7000 to enroll in Business Online Banking.
If you need additional assistance, please contact Business Services at 651-747-8900 or email us
Safe & Secure
Safe and Secure
Ideal Credit Union’s Business Online Banking allows you to monitor your business accounts to quickly detect suspicious activity.
For your protection, Ideal CU uses technology called “Secure Sockets Layer (SSL) Encryption” to secure your online banking sessions. This process safeguards your accounts from possible intruders and ensures that no one has access to your accounts but you and those you authorize.
It should be noted that you may be required to enter a security code to gain access to your online accounts and services.
Who should I contact with questions regarding enrollment and set up?
Please contact Business Services at 651-747-8900 or e-mail at
If I delete Sub-User Administrators, will their sub-users be deleted as well?
No. The sub-users are considered “children” of the primary commercial users, so they remain in the system.
What steps should I take if a sub-user no longer works for my business?
The sub-user’s access ID should be disabled immediately to prevent any unauthorized access to the business accounts. Ideally, the sub-user access ID for the former employee should be reassigned to another employee rather than deleted, as deleting an access ID affects any pending commercial transactions originated and/or approved by the sub-user. A sub-user’s access ID cannot be reassigned to another sub-user once it has been deleted.
User types within Business Online Banking
Individual who initially enrolls on behalf of the company. The Focus Member is an individual who is both an authorized signer on an eligible Business Member account and has been given the authority to establish and manage Sub-User access to Ideal Credit Union Online Banking. The Focus Member is considered to have full authority to act on behalf of the Business Member and any other authorized signers. A Focus Member can designate and remove Sub-Users and may assign certain administrative rights to a Sub-User.
Refers to an administrative user available only to Business Members. A Sub-User Administrator may administer and assign access rights to Sub-Users.
An Authorized User who has been assigned access to an Eligible Account by a Focus Member or Sub-User Administrator. Sub-Users may be granted full or limited access to originate online transfers such as ACH transactions and/or wire transfers.
For general questions regarding online & mobile banking, please refer to Ideal CU Digital Banking 101.
For more information, call Business Services at 651-747-8900 or email