Why are we making this change? | What you need to know about the Transition | Quickbooks & Other Financial Software
What is Staying the Same? | More Tools for Managing Your Business | Your Transition Checklist | Questions
We’re transitioning your business accounts from Cape Cod 5’s consumer Online Banking platform to Business Online Banking, a platform designed specifically to support the way businesses and organizations manage their finances. This change provides added security and greater control over who can access and manage your business accounts, while also giving you access to tools and functionality designed specifically for business banking.
We understand that moving to a new online banking experience requires some changes on your part. We’re committed to helping make the transition as straightforward as possible. Use this page as your guide to what is changing, what will stay the same and the steps you’ll need to take when you first access Business Online Banking.
Beginning November 2, 2026, you will access your business accounts through Cape Cod 5 Business Online Banking.
Access Business Online Banking User Guide
If you have any questions or need assistance, please contact our Treasury Management team at [email protected] or 508-247-1699.
Why are we making this change?
Business accounts have different security, access and money-movement needs than personal accounts. Moving your business to Business Online Banking helps provide an online experience designed around those needs.
Among its benefits, Business Online Banking provides:
- Enhanced security and authentication designed to help protect access to your business accounts.
- Greater control over account access, including the ability to establish additional users and determine which accounts and functions they can access.
- Business-specific tools for managing transactions, payments, reporting and more.
- Secure Conversations that allow you to communicate with Cape Cod 5 through Online and Mobile Banking.
- Opportunities to add other business services as your needs evolve, including ACH, wire transfers, Positive Pay and enhanced reporting.
Your business owner will initially be established as the administrator for Business Online Banking. If another individual should serve as your organization’s administrator, please contact us so we can assist.
What you need to know about the Transition
Some information and preferences will carry over to Business Online Banking, while others will need to be established again. We’ve outlined the most important changes below so you can prepare.
Your Username and Password Will Change
- Your existing consumer Online Banking username and password will not transfer to Business Online Banking.
- You will receive information from Cape Cod 5 about accessing Business Online Banking for the first time.
When you first log in:
- You will use the new username and temporary password provided as part of your transition instructions.
- You will be prompted to create a new password.
- You will set up two-factor authentication.
Two-Factor Authentication
Business Online Banking uses authentication options designed to provide an added layer of protection for your business. Available authentication methods include options such as an authenticator application or supported security credential. Text message and telephone-call authentication will not be available for this Business Online Banking login.
Tip: If you do not already use an authenticator app, consider downloading and setting one up before the transition date.
Learn more about logging in and authenticating
Your Dashboard Will Need to be Customized Again
Your existing Online Banking dashboard preferences will not transfer. When you first log in, you can organize your new Business Online Banking dashboard based on how you use your accounts. You can:
- Add, remove or reorder dashboard cards.
- Reorder your accounts.
- Select different ways to display account information.
- Choose the tools and information most important to your business.
Think of your first login as an opportunity to set up your workspace around the way you manage your business today.
Previously Hidden Accounts May Appear
Account display preferences from consumer Online Banking will not transfer to the new platform. If you previously chose to hide an eligible account from your Online Banking view, review your account display settings after you log in to Business Online Banking and make any desired changes.
Historical Statements Will Remain Available
Your available historical account statements will continue to be accessible following the transition. Your existing eStatement enrollment will also remain in place, so you will not need to re-enroll solely because of this conversion. After your transition, you’ll access statements through the Documents area of Business Online Banking.
Transaction History Will Be Different
The transaction history available immediately following the transition will be limited to the history available from Cape Cod 5’s core banking system. If you rely on older Online Banking transaction history for bookkeeping or reconciliation, we recommend downloading any information you may need before October 31. Business Online Banking also allows you to search your available transaction activity and download transaction information in several formats for your records.
Alerts Will Need to Be Set Up Again
Alerts you created in consumer Online Banking will not transfer. After you log in to Business Online Banking, review the available alert options and establish the notifications that are most helpful for your organization. Business Online Banking provides alerts for activity such as account balances and transactions, as well as additional security and business activity depending on the services you use.
Remote Deposit Will Require Re-enrollment
If you currently use Remote Deposit Capture, you will need to re-enroll following the transition before making your next mobile deposit. If interested in learning more about options for remote deposit for your business, please reach out to [email protected] so that we can assist you.
Learn more about Remote Deposit Capture
External Transfers Will Be Different
The External Transfers functionality currently available through consumer Online Banking will not be available in the same form in Business Online Banking. If your business regularly transfers funds between Cape Cod 5 and accounts held at other financial institutions, please contact our Treasury Management team to discuss available options and determine the best solution for your business needs.
Bill Pay Will Look Different
Bill Pay will remain available, including your scheduled payments & payees, but the experience and navigation will look different in Business Online Banking. From Business Online Banking, you’ll be able to manage payees, make individual or multiple payments, and schedule eligible future or recurring payments.
Get started with Business Bill Pay
What is Staying the Same?
While your online banking experience is changing, several important items will remain in place.
| Your eStatement enrollment | If you currently receive eligible statements electronically, your enrollment will continue. You will not need to sign up again solely because of this transition. |
| Your historical statements | Previously available statements will continue to be accessible through Business Online Banking. |
| Your scheduled transfers | Scheduled and/or recurring transfers you’ve set up to move money between your Cape Cod 5 accounts will continue to exist and process as expected. |
| Your account display names | Account display names you have established in consumer Online Banking will remain in place to ensure you can easily identify your accounts. |
| Secure Conversations | Business Online Banking gives you a secure way to communicate with Cape Cod 5 through Conversations. You can send a secure message, attach documents and, when applicable, include account, transaction or payment details with your conversation – helping keep your business banking communications organized in one place. |
| The Cape Cod 5 team supporting your business | We’ll continue to be here to assist you throughout the transition and after you begin using Business Online Banking. |
More Tools for Managing your Business
One of the benefits of moving to Business Online Banking is that your digital banking experience can better grow with the needs of your business.
Add Additional Users
Instead of sharing login credentials, your Business Online Banking administrator can establish separate users and control the access appropriate for each person. Depending on your organization’s setup, users can be given access to specific accounts and features, while permissions can be customized to reflect their responsibilities. Available user roles include:
- Administrator: Can be given account and feature permissions and can manage other users.
- User: Can be given customized account and feature permissions without the ability to manage other users.
- Viewer: Provides view-only access to designated accounts.
This can be especially helpful for organizations where multiple employees, bookkeepers, accountants, officers or board members need different levels of access.
Enhanced Reporting
Business Online Banking provides additional tools to help you review and manage account activity, including current-day, prior-day, account activity and summary reporting. Depending on the services used by your business, additional reporting may also be available.
Additional Treasury Management Services
As your organization’s needs evolve, Business Online Banking can also support additional services such as:
- ACH Payments - Make secure electronic payments for needs such as payroll, taxes and vendor payments.
- Wire Transfers - Initiate and track eligible wire transfers through Business Online Banking.
- Positive Pay - Add another layer of protection against check and ACH fraud by reviewing transactions that require a decision before they are paid.
- Additional Reporting - Access business-focused reporting tools to help monitor activity, support reconciliation and better understand cash flow.
Some services require separate enrollment and may be subject to eligibility, agreements or fees. Our Treasury Management team can help you determine which tools may be right for your business.
Tap2Local – Coming Soon
Business Online Banking will also provide a foundation for additional business capabilities as they become available. Tap2Local is coming soon, providing another way for eligible businesses to accept card payments, right from within the Cape Cod 5 Mobile App. More information will be shared as this service becomes available.
Your Transition Checklist
Before October 31, 2026
- Review the information on this page so you know what to expect.
- Confirm Cape Cod 5 has current contact information for your business and its authorized individuals.
- Download any older transaction history you may need for your records.
- If you use QuickBooks or another connected financial tool, complete your recommended backup and final download.
- Review any scheduled Bill Pay activity once final conversion instructions are provided.
- Consider downloading an authenticator application if you do not already use one.
Beginning November 2, 2026
- Access Business Online Banking using the instructions provided by Cape Cod 5.
- Establish your new username and password.
- Set up two-factor authentication.
- Review the accounts available to you.
- Customize your dashboard and account display preferences.
- Set up your desired alerts.
- Re-enroll in Remote Deposit, if applicable.
- Reconnect QuickBooks or other supported financial software, if applicable.
- Review Bill Pay and take any required action on scheduled payments.
- Establish additional Business Online Banking users and permissions, if needed.
Questions? We're Here to Help.
We know that changing how you access and manage your business accounts can raise questions. Our team is here to help you prepare for the transition, get established in Business Online Banking and determine which tools can best support your organization.
Treasury Management
508-247-1699
You can also visit a Cape Cod 5 Banking Center or, once you are signed in to Business Online Banking, send us a secure message through Conversations.
