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TRANSCRIPT
Business Online Banking
& Bill Pay
Guide to Getting Started
https://www.vectrabank.com 2 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
What’s Inside…
Welcome to Vectra Bank Business Online
Banking. Whether you’re at home, at work, or
on the road, our online services are here for
you 24 hours a day, seven days a week.
This guide is designed to answer your
questions about Business Online Banking
and Business Bill Pay and explain how these
services can help you manage your finances
online.
Learn how to:
View account information
Transfer funds
Pay and manage bills
Receive statements online
User Administration
Contents
Security at Vectra Bank .................................................................... 4
Getting Started Online ...................................................................... 5
Setting Up SecurEntry™ .................................................................... 6
My Bank Overview ............................................................................ 7
Account Preferences ......................................................................... 8
Change Account Preferences ........................................................... 8
Manage My Favorites View .............................................................. 8
Message Center ................................................................................ 9
Secured Messages ............................................................................ 9
Security Alerts .................................................................................. 9
Account Alerts .................................................................................. 9
Personal Reminders .......................................................................... 9
Search Transaction History ............................................................. 11
Download Account Transactions .................................................... 12
eStatements and eNotices .............................................................. 13
Transfer Funds ................................................................................ 14
Add Transfer-to-Friend Accounts ................................................... 15
Bill Pay Overview ............................................................................ 16
Add Biller ........................................................................................ 16
Make Bill Payments ........................................................................ 16
Schedule Repeating Payments In Advance .................................... 17
Receive Your Bills Electronically ..................................................... 17
https://www.vectrabank.com 3 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Make Bill Payments with Invoices .................................................. 17
Setting Up Account Entitlements .................................................... 18
Dual Authorization .......................................................................... 21
Employee Direct Deposit ................................................................. 22
Recipients ....................................................................................... 22
Create a New Template .................................................................. 23
Create a New Payment ................................................................... 24
Other Services ................................................................................. 25
Request a Copy of a Check, Deposit, Withdrawal, or Statement... 25
........................................................................................................ 25
Request Stop Payments ................................................................. 25
Enhanced Account Protection ........................................................ 26
Contact Us ....................................................................................... 27
Note: the information in this Guide, and the look, feel, and
operation of Vectra Business Online Banking, are all subject to
change by Vectra Bank at any time, with or without prior notice.
https://www.vectrabank.com 4 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Security at Vectra Bank
What We Do: Vectra Bank understands the importance of customer security. We employ many different types of technology to help protect
your funds and account information when you use Business Online Banking. For example:
We use Secure Sockets Layer (SSL) technology to encrypt and to help protect your data as it crosses the Internet.
We open sessions when you access Business Online Banking, which expire within minutes of inactivity on your browser.
We employ detection and prevention technologies to help protect our network and access to your information.
We email Security Alerts to you automatically when certain high risk activities occur online, such as Login ID changes, password changes,
or when new Transfer-to-Friend Accounts are added to your profile.
What You Can Do: Internet Security is a cooperative effort and we encourage you to exercise safe online banking practices, including:
Keeping your information secure: don’t share or write down your username or password; monitor your account daily, and report any suspicious
activity immediately; and sign up for eStatements to keep paper statements from waiting in your mailbox for others to steal.
Keeping your computer secure: use anti-virus and anti-spyware software and update them regularly; install intrusion prevention software; close your
browser after logging out of your account; and update your browser to make sure you have the latest version.
Bookmarking https://www.vectrabank.com: access your Vectra account by clicking on that bookmark, or by typing that address into your browser
directly, rather than clicking on links embedded in emails or other websites; before entering your login credentials, verify that the “s” in “https” appears in
your browser address line.
Sign up for the services listed below
Services Available to You: Vectra Bank has products and services designed specifically to help you avoid internal security
breaches. We invite you to take advantage of these services to improve your internal security:
Install IBM Security® Trusteer RapportTMBrowser Protection Software: Vectra lets you download Trusteer Rapport* security software from IBM
Security free of charge! Run Trusteer Rapport in addition to your anti-virus, anti-malware, and firewall software. Trusteer Rapport helps you protect your
browser from malware attacks and fraudulent websites. Trusteer Rapport’s innovative technology helps pick up where conventional security software fails.
Opt out of traditional paper statements and receive only eStatements: Avoid paper statements sitting around in your mailbox waiting for you to
retrieve them. Online statements are password protected and encrypted on our online banking platform. Register for free eStatements in Online Banking.
Use Business Bill Pay to eliminate mail fraud: Stop the fraudsters from stealing your account information by directly receiving e-bills and paying
them online.
Enroll in Enhanced Account Protection: This mobile-based transaction authentication service adds an additional layer of security in Business
Online Banking. Transactions that meet the threshold defined by Vectra Bank require SMS authentication before they can be completed.
Enable Dual Authorization: This service requires authorization from one or two designated approvers, before other business users can complete
certain online activity in Business Online Banking, including transfers over a designated amount and changes to User Entitlement settings.
*By downloading and installing IBM® Security Trusteer Rapport™, you agree with all of IBM Security’s terms and conditions. Zions Bancorporation, N.A. and other members of the Zions Bancorporation family of companies are not associated with IBM and are not
responsible for and do not guarantee the content, services or operation of Trusteer Rapport. All problems, questions or concerns regarding IBM Security Trusteer Rapport should be directed to http://www.trusteer.com/support/submit-ticket. IBM® and Trusteer
Rapport™ are trademarks or registered trademarks of the International Business Machines Corporation, registered in many jurisdictions worldwide.
https://www.vectrabank.com 5 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Quick Tip: For your protection, if you or someone trying to access your accounts uses an invalid password three times, we will block your
account. To regain access, please call us at 1-800-884-6725 Monday to Saturday 7am to 8pm MST. Once we confirm your identity, we will give
you a temporary password.
Getting Started Online Logging into Business Online Banking is easy. Just open your Web browser and type vectrabank.com in the address line*. You’ll be able to view
your account information, transfer funds and more in seconds.
Not banking online yet? Call Business Online Banking
Support at 1-800-884-6725 to get started today.
Looking for the nearest branch? Enter a zip code in
our ATM & Branch Locator tool.
*Look for the “s” in the “https” to verify you are at our
secured site and then bookmark the page for future use.
Avoid accessing your accounts by clicking links
embedded in emails or other websites
Open your Web browser and type
https://www.vectrabank.com.* 1
• Enter your Company ID and User ID.
• Enter the password.
• Click the red arrow to proceed to
Business Online Banking
2
https://www.vectrabank.com 6 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Setting Up SecurEntry™ Vectra Bank has encryption, firewalls and intrusion monitoring systems in place to help prevent fraud. When logging in for the first time, you will be
asked to provide identifying information that will help our system to recognize you when necessary.
1. Choose SecurEntry Challenge
Questions from the drop down menus.
2. Provide an answer to each Challenge
Question.
3. Click Continue.
4. Review the answers you provided and
then click Submit.
These steps add extra layers of
identification to help confirm it’s really you
logging in.
https://www.vectrabank.com 7 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
My Bank Overview My Bank Overview is the first page you see once you log in to Business Online Banking. Here’s where you can see an overview and summary of
your Vectra Bank accounts.
From the My Bank page, you can:
Navigate to almost any
feature in Online Banking
with one click
Create My Favorites
account views.
View prior day, current
and available balances.
See different account
types in your profile.
Click the Account Name
to display detailed history
for that account.
Initiate Quick Transfers
between accounts.
Contact us, get help, or
log out of Online Banking.
View date and last login.
Click the Red Arrows to
expand/collapse panels.
View outstanding
messages from the Info
Center.
See scheduled, pending
and cleared transactions.
Review credits and debits
posting to your accounts.
Review multiple pages of
transaction history.
https://www.vectrabank.com 8 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Account Preferences
Change Account Preferences
The Change Account Preferences page enables you to set preferences
specific to each of your accounts in relationship with Business Online
Banking.
Use the Change Account Preferences page to:
• Define the account nickname.
• Define the default number of days cleared transactions are
displayed in history.
• Define which account information is displayed in Business Online
Banking.
• Define the default account.
Manage My Favorites View
The My Bank page enables you to define multiple, personalized, account Favorites Views as
well as define the default view displayed on the My Bank page.
Navigate by clicking on the My Bank View link> Manage Favorites View from the My Bank page.
A Favorites View consists of a selected group of accounts. When the view is
selected on the My Bank page, the Account section of the page only displays
the accounts defined in that Favorites View.
You can manage and create new views by selecting the links on the page.
https://www.vectrabank.com 9 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Message Center The Message Center is a centralized location where you can work with messages, alerts, and reminders. You can manage alerts and reminders for
notification of account and transaction activities and events. These notifications are delivered to one or more locations, based on your defined
delivery options. The Manage Alerts page enables you to create, edit, view, or delete alerts.
Secured Messages
The Messages feature in Online Banking enables you to send,
receive, and view secured messages from the Vectra’s Online
Banking Support Team.
Security Alerts
When profile adjustments are made to your Business Online
Banking profile, security alerts are automatically sent to your
email address to provide you with information, such as when
your password or login ID were changed.
Security Alerts are automatically sent by email for the following
online activities:
• New Transfer-to-Friend Account added to profile
• Login ID Change
• Password Change or Reset
• Entitlement Requires Approval
• Transfer Requires Approval
Account Alerts
These alerts are optional. You can choose which alerts you want to receive, and then define specific details of the message. Account Alerts
include period balance, alerts that an account balance is over or under a certain dollar amount, and successful transfers.
Personal Reminders
Reminders are notifications you can create to help you remember an event or task. You could set up reminders, for example, to remember
to make a loan payment or to reorder checks
https://www.vectrabank.com 10 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Quick Tip: You can sort your transactions
by date, type, description, status, debit, or
credit by clicking on the column headings.
Account Activity
You can get detailed information* in two ways. You can either select an account from the list on the My Bank page, or you can use the Account
Register link under the Accounts tab from the navigation menu.
1. From the Accounts tab, choose Activity.
2. Use the Account Register Selection to select
an account and search by categories such as
date range, check number, and more.
3. Click View to see an overview of the account
for the search by category you selected.
4. View up to 18 months of your transaction
history, as well as pending transactions,
scheduled payments, scheduled transfers, and
check images.
5. Click on transaction links to see more detailed
information, to view check images, or to adjust
scheduled transactions.
*Detailed transaction history is not available for certain
account types.
https://www.vectrabank.com 11 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Search Transaction History The Transaction Search page also makes it easy for you to locate and view detailed information about specific transactions. You can also view
images of cleared checks and deposits by clicking on the transaction link.
1. Select account(s).
2. Choose the type(s) of transaction you are looking for: ATM,
Check, Credit, Debit, Deposit, Fee or select All Types.
3. Enter a reference ID, date, or amount. If you don’t know
the exact information, use the range search.
4. Click Search
https://www.vectrabank.com 12 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Download Account Transactions To help manage your finances, download your transaction data into financial management software, such as Quicken® or QuickBooks®. Save time
and monitor your cash flow with this convenient feature.
1. From the Accounts menu, choose Balances.
2. Select the appropriate download option. If your
software is not on the list, you can choose the .csv
format, which is compatible with most spreadsheet
applications.
3. Click the Download button. The Download Activity
page appears.
4. Click to select the check boxes for the accounts to
download.
5. Select one of these options: All transactions since last
download or date option.
Quick Tip: Use your financial management
software, such as Quicken® or QuickBooks®, to
reconcile your accounts and forecast account
balances.
https://www.vectrabank.com 13 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
eStatements and eNotices Receiving statements and notices online saves time and cuts down on paper clutter. This service is available for eligible deposit accounts and
loans. 18 months of statement history will be stored online. Online statements have the same information as the paper version, and are available
sooner. The bank notifies you through email when an eStatement or eNotice is ready.
1. From the Accounts tab or from the Services
menu, select eStatements/eNotices
2. Select the Enroll – Stop Paper Documents
link under Quick Links to enroll into
eStatements or eNotices
3. Select to receive electronic versions of
statements, notices, or both. Choose to go
paperless by selecting the check box next to
the account in the enrollment preferences
4. And that’s it! Online delivery will begin at the start
of the next statement cycle.
5. Once enrolled, filter account statements or
notices by selecting the account, document type,
and the time period desired.
6. Select the specific document by name to view the
statement or notice.
7. View a list of eNotices or your Statement Inserts
using Quick Links.
https://www.vectrabank.com 14 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Transfer Funds From the Transfers menu, you can access the Transfer Center, where you can create, edit and view transfers. You can also create, edit, delete, and
view transfers to your internal accounts and Transfer-to-Friend Accounts.
The Transfer Center provides a central place where you
can view and manage transfers among your Vectra
Accounts. Using this page you can:
• View a list of scheduled, completed and all transfers by
a specified date range
• Create a printable view of the transfers list
• Create a transfer
• View and print a transaction receipt
• View an individual transfer
• Edit a scheduled transfer
• View the history for a scheduled transfer
• Delete a scheduled transfer
Other Accounts provides a central place
where you can view and manage your
Transfer-to-Friend Accounts.
• Add Transfer-to-Friend account
• Change nickname for the accounts
• Delete accounts you no longer need
https://www.vectrabank.com 15 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Add Transfer-to-Friend Accounts
Transfer-to-Friend Accounts are owned by someone
else. Your permission with this account type only
allows you to “transfer to” the account. You can add a
Transfer-to-Friend account to which you can transfer
funds, as long as the friend’s account is held at Vectra
and the friend is also enrolled in Business or Personal
Online Banking.
Enter your friend’s Vectra account
number. Once added, this account will
be displayed in the transfer list of
available accounts to credit.
https://www.vectrabank.com 16 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Bill Pay Overview Pay bills your way with Business Bill Pay. It saves you time and is convenient. You can schedule recurring payments for bills that are due the same
time each month, like your rent or utilities payment. Or, make payments manually each time. You choose.
Add Biller
To begin paying bills, you need to add a biller (payee). A biller is
any company or person you pay, such as your utility company or
cable provider. You’ll need biller information (i.e., a recent bill or
statement) to get started.
1. Select the Add a Bill button, and select whether it is a
company or a person; then specify the biller name.
2. You will then be instructed to provide the account number (if
there is one) and billing address of the payee.
3. Click Add Bill and the new payee will be added to your
payee list.
Make Bill Payments
Making payments with Bill Pay is easier than writing a check.
Select the payee and enter the amount and date you want your
payment delivered by. Then click Make Payments. The item will
move to the Pending Payments section. You can edit or cancel a
payment up until it is processed.
https://www.vectrabank.com 17 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Schedule Repeating Payments In Advance
Pay regularly occurring bills for a fixed amount, such as rent or car
payment.
1. Select Add an automatic payment from Manage My Bills.
2. Set the specifics (amount, frequency, delivery date, etc.).
Receive Your Bills Electronically
An E-bill is an invoice from a biller that you can view and pay online through
Business Bill Pay. E-bills contain the same information found in a paper bill.
If your biller has the capability to send an E-bill, there will be an option next
to the name.
1. Select Get Bill next to the payee to start a Trial E-bill or set up your E-
bill service. (A Trial E-bill allows you to try the service for 90 days while
still receiving a paper bill in the mail.)
2. Follow the simple steps to continue the E-bill service!
Make Bill Payments with Invoices
You can also choose to make payments from invoices, for more thorough
documentation of payments to other companies. To get started, please
identify the invoice you would like to set up and pay.
1. In the Payment Center, click Add Invoices for the desired payment.
2. Specify the details related to the payment, including any invoice or discount information.
3. Click the Add Invoice button.
https://www.vectrabank.com 18 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Setting Up Account Entitlements You may have some people who help take care of your finances for you. Business Online Banking lets you designate other trusted users to access
your business accounts and perform specific functions online. Entitling other users saves time and gives the business more flexibility. And keep in
mind that at all times, the Customer System Administrator, or CSA, maintains control over the level of access and what can be seen and done
online.
Add a New User
Adding a new user and assigning entitlements is simple.
The administrator begins by selecting the Add a New
User link from the Admin tab.
1. Create a Login ID and Temporary Password for the
new user. (When logging in the first time, the new
user creates his or her own password).
2. Then, fill in the user’s information. Making the status
active allows that person to log in to the business
profile online.
User Access Settings
3. Configure the User Access with the appropriate
security level.
Customer System Administrators, or CSAs, are
granted administrator permissions to the
business’s Online Banking profile. They can add
new users, reset passwords, change user
entitlements, or even delete user profiles.
Approvers allow the user to approve activity
initiated by other business users. Note: This
option is only available when the business is
enrolled in Dual Authorization, which is detailed in
the Dual Authorization section below.
4. Lastly, configure the type of access for the new user.
https://www.vectrabank.com 19 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Custom User Access
Custom access designates the specific accounts
the new user may have access to, and what he or
she is able to see and do in Business Online
Banking. There are two levels of customized
access that can be configured by a CSA.
1. The first level is configured by selecting the
accounts that the user should have access to.
If Entitle user for Transfer to Friend is
selected, then the new user will be able to
view and make transfers to the current
and future Transfer to Friend accounts for
the business.
2. The business accounts are also listed. Assign
an access level to each, as well as Daily
Limits and Transaction Limits, both of which
cannot exceed the standard bank limits.
If the new user is granted custom access
on any of these accounts, the CSA will
configure the specific account services for
each account on the next page.
3. Click Save and Continue
https://www.vectrabank.com 20 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Custom Account Entitlements
The second level of custom
entitlements is configuring the access
to different account services for each
account. Access can be granted to
services under information reporting,
payments, templates, and other
services.
1. Select which services the user
should have access to for each
account.
Use the arrows on the right to
expand or collapse the
different accounts selected for
custom access.
2. When all desired services are
selected, click Save and
Continue.
The customized user is now added to
the business profile!
https://www.vectrabank.com 21 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Dual Authorization Dual Authorization is an optional service that enables a company to require TWO business users to make changes to make entitlement changes or
to approve certain transactions initiated by another user. One business user must make the request and another designated Approver must approve
the request. An example is included below to demonstrate how to approve changes made to a user profile. (Note: the following only applies to
clients with enrolled in Dual Authorization. To enroll, please contact Customer Support or go into a branch to complete an Online Banking
Addendum for this service)
If Dual Authorization is enabled for a business, transactions submitted over the authorized amount or changes made to user entitlements requires
approval by another user who is designated as an Approver.
An email and/or Info Center alert is sent to an Approver to notify them of any
outstanding approvals.
The Approver can click on the link within the Info Center to begin approving the
activity.
From the Admin tab, CSAs can view the users who are
designated as an Approver. The business owner, Mike,
added and customized a new user profile for his
accountant. Since he cannot approve his own activity,
Alice, who is designated as another approver can now
approve Mike’s changes by clicking on the Approval
Required link under Approval Status.
The Approver reviews the information and User
Access. They have the option to write a memo to the
user who originated the request, and can either Reject
or Approve the change. A message is sent to the
originator’s Web Inbox confirming the rejection or
approval.
https://www.vectrabank.com 22 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Employee Direct Deposit ACH is an efficient and convenient way to schedule and send electronic payments to other financial institutions, such as employee payroll through
Direct Deposit. Once your business is set up with ACH, you can create Direct Deposit payments for your employees. You can even create payment
templates and recipient lists to ease the process for sending regularly recurring Direct Deposit payments.
Recipients
The Recipients page provides a list of recipients used
when making ACH payments. As you create
recipients, they are added to the recipient list where
you can access them for future payment instructions.
1. To add a recipient, click the Create Recipient
link.
2. Complete the payee information, payment
amount and bank information fields.
3. Preview and Submit the recipient. You’ll
receive confirmation the recipient was added to
your recipients list.
4. Employees from the recipients list will be
selected when creating payment templates.
https://www.vectrabank.com 23 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Create a New Template
A payment template provides common information for payments made on a regular basis or payments that contain much of the same criteria. You
can create a template to speed the process of entering payments where information is repetitive and similar to other business payments you create.
1. Create a Direct Deposit template from the
drop down menu.
2. Enter the template name, pay from account,
and maximum payment amount if needed
3. Either add new recipients or choose from a list
of previously created recipients.
4. Select the recipients to include in this template.
5. Click the Add button.
6. Enter any default payroll amounts for each
recipient. This is useful when paying
employees on a salary wage.
You can also use the Prenote function to
ensure the recipient account was entered
correctly. This sends a $0 transaction
through ACH to the recipient bank for
account verification, which can take up to 6
banking days.
7. Preview the information… and click the
Submit button, or Submit and Initiate button,
which then takes the user to a page to initiate
the Direct Deposit payment.
8. Confirmation will display when the
ACH Direct Deposit template was
added.
You can now send a quick Direct
Deposit payment to many of your
employees in as little as 3 clicks!
.
https://www.vectrabank.com 24 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Create a New Payment
Now, you can set up one-time or recurring business payments from the payment templates.
Here are the steps for creating a one-time business payment from a template:
1. From the Templates page, under the ACH menu, choose the Initiate option next to a previously created template.
2. Select the effective date to schedule the payment in the future and/or make it a recurring payment. You can also choose settlement options to
have the debit post once for the entire payment or once for each recipient.
3. Enter the payment amounts for each
recipient.
4. Review the total payment listed at the
bottom.
5. Preview the payment and Submit.
6. The new payment will then be listed in
the Payment Center.
https://www.vectrabank.com 25 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Other Services The Services menu provides you with other online services that are convenient, that save time, and that can be done right within Business Online
Banking. There’s a variety of online service options available to you.
Request a Copy of a Check, Deposit, Withdrawal,
or Statement
Occasionally you may need to order a copy of a check or a
withdrawal slip.
Simply fill in the details, submit the request, and the bank will send
the item through the mail. It’s just as easy to request copies of other
items.
Keep in mind that you still have the option of viewing copies of
checks and transaction slips in your online transaction history or
even in your eStatements.
Request Stop Payments
You can also make online requests to stop
payment on certain types of checks.
Simply fill in the details, submit the request, and
the bank will begin processing the stop payment.
Online requests to place stop payments can take
one full business day to take effect.
https://www.vectrabank.com 26 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Enhanced Account Protection
Enhanced Account Protection, or EAP, is a mobile-based transaction authentication service that adds an additional layer of security to help protect
your business from fraudulent transactions. If your business is enrolled in EAP, certain online activity will require authentication via SMS text
messages before the request can be completed.
1. When online activity requires EAP, your business user
is presented with a page where they must successfully
enter the correct PIN and SMS token code before the
online request can be completed.
The PIN is defined by the business user when they
enroll in Enhanced Account Protection.
2. The token code is system-generated and is sent to the business user’s mobile device as a text
message, along with the transaction information or activity being requested.
This unique token code is only valid for one transaction at a time and expires after 8
minutes.
The business user can also become locked if there are too many unsuccessful validation
attempts.
https://www.vectrabank.com 27 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC
Contact Us
Ready When You Are. Banking at Vectra.
At Vectra Bank Colorado, we understand the importance of providing access to your financial information when you need it. And we want to be
there when you’d like to speak to a real, live person as well. To contact a Vectra Bank representative by phone (Monday – Saturday from 7am –
7pm MT) please call 1-800-232-8948, or click here to contact us via e-mail, or choose from the other options listed below.
Banking and Customer Service (or to report unauthorized or erroneous transactions): 1-800-232-8948 (Monday – Saturday, 7am - 7pm MT)
Online Banking Support: 1-800-884-6725 (Monday – Saturday, 7am - 8pm MT)
Direct Connect Software Support (Quicken & QuickBooks): 1-800-884-6725 (Monday – Friday, 8am - 6pm MT)
Report a lost or stolen credit card: 1-866-749-7470
Business Services Hotline: 1-866-4-VECTRA (1-866-483-2872) (Monday – Friday, 7:30am – 5:30pm MT)