CU Online for Business

Contact Us to Register for CU Online for Business Log In

Time is money. Save time managing your business.

You're looking for operational efficiencies and a competitive edge in all areas of your company. Signing up for CU Online for Business is a sure-fire financial move. Streamline your money management and get back more time to spend on growing your business.

Make business payments quickly
Assign and manage multiple users

Equip yourself with powerful online banking tools that deliver convenience and simplicity to your company. You have full control over your financials, how they're managed and who manages them. 

Additional Digital Features

  • Assign multiple users and add, delete or edit users who have app access 
  • Add on ACH services to manage payroll, make business payments and debit/credit accounts
  • Approve transactions set up to debit your business account
  • Set up Merchant Capture to scan and deposit checks at your location using a scanner we provide, install and service
  • Touch ID for iOS and fingerprint scan for Android provides security and easy access 
  • Check real-time business account balances and set account alerts 
  • Review business account info, statements and history 
  • Pay bills or invoices simply taking a picture with Picture Pay 
  • Deposit checks with Check Deposit 
  • Transfer funds between accounts or to other Capital Credit Union members 
  • Make loan payments and pay bills online
  • Send or receive money for free with Pay a Person
  • Disable and enable business credit and debit cards 
  • Stop payment on checks 
  • Reorder checks 
  • Search for Capital Credit Union branch and ATM locations throughout North Dakota
  • Security features keep transactions and business account information private 
  • CU Online for Business is compatible with Quicken, QuickBooks and Mint

Getting Started

  • View our CU Online & Mobile App Quick Guide, which provides step-by-step instructions on how to use all the great features included with our online platform, CU Online, and mobile banking app.
  • CU Online is best experienced on a desktop or laptop computer. If you are using a mobile device, please download our mobile banking app.

Service Charges

Capital Credit Union (“we,” “our,” or “us”) is committed to protecting your privacy. Below we describe how we collect, use, access, and share personal and sensitive information through our mobile banking application (“App”), powered by Jack Henry™ Banno services.

  1. Information We Collect. We collect the following categories of personal and sensitive information when you use our App:
    1. Personal Identifiers
      1. Name
      2. Address
      3. Email address
      4. Phone number
      5. Username and login credentials
    2. Financial Information
      1. Account balances
      2. Account numbers (masked where appropriate)
      3. Transaction history
      4. Payment and transfer details
      5. Credit/debit card information
    3. Transaction Data
      1. Transfers between accounts
      2. Bill payments
      3. Debit/credit activity
      4. Mobile deposit activity
    4. Location Data
      1. Approximate or precise location (if enabled by your device)
      2. Used for fraud prevention, security monitoring, and improving services
    5. Device & Usage Information
      1. Device type, operating system, and browser
      2. IP address
      3. App usage data and logs
      4. Authentication and session details
    6. Images & Files (Photos)
      1. Images of checks captured for mobile deposit (Remote Deposit Capture / RDC)
      2. Any images voluntarily uploaded within the App 
         
  2. How We Use Your Information. We use collected data for the following purposes:
    1. Provide and maintain mobile banking services
    2. Process transactions, payments, and mobile deposits
    3. Authenticate users and prevent fraud
    4. Monitor and enhance security
    5. Improve App performance and user experience
    6. Communicate important service updates and alerts
    7. Comply with legal and regulatory requirements
        
  3. How We Share Information. We may share your information with the following parties:
    1. Service Providers: We share data with trusted third-party providers who support our services. These providers are contractually obligated to protect your data and use it only for authorized purposes. Providers include:
      1. Jack Henry & Associates, Inc. (Banno platform provider) for mobile banking infrastructure
      2. Payment processors and transaction networks
      3. Identity verification and fraud monitoring services
      4. Cloud storage and hosting providers
    2. Legal & Regulatory Authorities: We may disclose information:
      1. To comply with applicable laws, regulations, or legal processes
      2. To respond to lawful requests from public authorities
      3. To protect against fraud, unauthorized transactions, or security threats
    3. Business Transfers: In the event of a merger, acquisition, or asset sale, your data may be transferred as part of that transaction.
       
  4. Permissions We Request. To provide full functionality, our App may request access to the following:
    1. Camera / Photos (Required for Remote Deposit Capture)
      1. Access to your device camera and photo library is required for Remote Deposit Capture (RDC)
      2. This allows you to take and upload images of checks for deposit
      3. Images are securely transmitted and stored in accordance with financial regulations
      4. We do not access your photos unless you actively initiate a remote deposit capture or choose to upload an image
    2. Location (Optional)
      1. Used for fraud detection and security monitoring
      2. Helps identify suspicious activity and protect your account
    3. Notifications
      1. Used to send account alerts, transaction updates, and security notifications
      2. You can manage or revoke these permissions at any time within your device settings
         
  5. Data Security. We implement industry-standard security measures to protect your information, including:
    1. Encryption (in transit and at rest)
    2. Multi-factor authentication (MFA)
    3. Secure login protocols
    4. Continuous monitoring for unauthorized access
       
  6. Data Retention. We retain your information only as long as necessary to:
    1. Provide services
    2. Meet legal and regulatory obligations
    3. Resolve disputes and enforce agreements
       
  7. Your Privacy Choices. You may:
    1. Access and review your account information within the App
    2. Update or correct personal information
    3. Disable location services or permissions via device settings
    4. Contact us to request additional privacy-related actions
        
  8. Children’s Privacy. Our App is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.
      
  9. Changes to This Policy. We may update this Privacy Policy periodically. Updates will be posted within the App and reflect a new “Last Updated” date.
If you have questions about this Mobile & Online Banking Privacy Policy or our data practices, please contact:
Capital Credit Union
204 W. Thayer Ave., Bismarck, ND 58501
701.255.0042
[email protected]

“Doug Lee is such a great asset for Capital Credit Union, along with is team. This is why I do business with Capital Credit Union.”

- Member / Doug

“Brad and Tom were outstanding to work with. I have worked with Brad since 2014, this was my first time with Tom, and they are both excellent. Capital Credit Union is the best!”

- David / Brad & Tom T

“Beyond happy with Capital Credit Union and its employees. Thank you for all that you do for us.”

- Mary

“I recently got a loan with Stacy Blohm. She did an amazing job handling our account. We were very satisfied with the service we received.”

- Member / Stacy
“Tom Ternes was excellent in every aspect! He made the process seamless, and he treated us like family. We greatly appreciate him and the entire team that worked hard to make our mission possible! Thank you!”
- Levi / Tom T