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Business Online Banking FAQs

Q. How do I get started with Online Banking?
A. It's easy, simply click here! Or, Click on Online Banking in the left hand navigation, and click on "Sign-Up". Or stop by and visit a Washington Trust branch near you.

Q. What type of system and software do I need?
A. You must have a computer with 128-bit encryption. For security reasons, our Internet Cash Management Service requires: Internet Explorer 8 or 9, Safari 6.0 and the most updated versions of Mozilla Firefox. If your system doesn’t meet these requirements, free upgrades are available on our “Log On” page.

Q. Is Business Online Banking secure?
A. Security is a top priority at Washington Trust and we have taken every precaution to ensure your information is transmitted safely and securely. We use state-of-the-art technology to monitor the integrity and security of our system.

We address security at three levels:

  • The first concern is the security of customer information as it is sent from the customer's PC to the Web server.
  • The second area concerns the security of the environment in which the Internet banking server and customer information database resides.
  • Finally, security measures are in place to prevent unauthorized users from attempting to log into the Online Banking section of the Web site.

E-mail transactions may not be secure. Please do not send personal information, such as account numbers, passwords, or account information via e-mail. If you need to provide personal information, please contact us at 401-348-1200 or toll-free at 1-800-475-2265.

Q. How does Washington Trust's Enhanced Login Security protect my account information?
A. This superior security technology protects your identity from whatever computer you're using, whether at home, at the office, or on the go. It identifies you as the true “owner” of your accounts by recognizing not only your password, but your computer as well. If your computer isn't recognized by us - you've logged in from a public computer or one you haven't used before - we'll ask you to enter a one time security code to prevent unauthorized access. Your identity is protected, and your peace of mind? At ease.

Washington Trust's Enhanced Login Security will:

  • Defend against identity theft and fraud.
  • Provide added security from any computer, wherever you are.
  • Make it easy for you with one-time sign-up and convenient access

Q. How much does Business Online Banking cost?
A. There is no cost for the use of online banking and bill payment. Cash Management service fees may apply for ACH and Wire Transfers. If you are interested in these services, please contact us at 401-348-1200 or toll-free at 1-800-475-2265.

Q. What accounts can I access with Business Online Banking?
A. You can access all active checking, savings, loan, or CD accounts under one Tax ID. Multiple Tax ID's are available under one login.

Q. How often can I view account information?
A. You may view account history and transactions 24 hours a day, seven days a week.

Q. How frequently is account information updated?
A. Washington Trust updates account information on a daily basis, usually late in the evening, after normal banking hours.

Q. What happens if I forget my password?
A. If you forgot your Business Online Banking password, or have been locked out of the system, please contact us at 401-348-1200 or toll free 1-800-475-2265 to have your password reset.

Q. How can Business Online Banking help me manage my money?
A. You can export account information from your Online Banking account into Quickbooks (qbo). You can also download information into a spreadsheet as comma delimited text. Online Banking also helps you manage your money in the following ways:

  • Bill Payment: You can pay all of your bills electronically, as long as they are in the United States. For more information, view the "Bill Payment" section of the Business Online Banking Agreement. NOTE: You should not use this feature to pay taxes or other government bills.
  • Transfer Funds: You can transfer funds from your checking and savings accounts to your other Washington Trust online accounts.
  • Balance Alerts: You can have the bank send you e-mail messages to notify you when certain balance criteria has been met. Example: When your account balance rises above or falls below a certain amount.
  • Customize Reports: You can customize reports to view deposit transactions by type, time period, or dollar amount.
  • Statement and Check Images: You can view your online statements up to 24 months and check images for the last three months.

Cash Management Services:

  • Automated Clearing House (ACH) transactions: Debit or credit accounts at any U.S. bank. Use this feature to directly deposit payroll; cash concentration; drafts to pay vendors; or collect payment for taxes or donations.   
  • EFTPS Tax Payments: Pay your federal taxes online.
  • Wire Transfers: Wire domestic and international funds from one financial institution to another.

Q. Why can't I use the Back or Forward buttons?
A. As part of the Online Banking security feature, you cannot use the Back or Forward buttons. Use the navigation buttons at the top of your screen to navigate. Once you are ready to exit, click on the "Log Out" button located in the top right navigation.

Q. How far back can I view my account history?
A. The "Balance Reporting" feature displays deposit account activity as of the end of the previous business day and current day transactions.  You can view up to 12 months of history from the date your account was established with us.  To view your account activity click on the underlined name of your account.

Bill Payment & E-Billing

Q. Once I've signed up for electronic bill payment, when can I start paying bills online?
A. Once you complete and submit the online form, you can start paying bills within three business days.

Q. How long does it take to pay a bill once a new payee is set up?
A. Once you have entered the payee into the system, you may pay your bill to that payee immediately. Please note that the payment date is the date the payment is to be sent to the payee and not the date the payment is due.

Q. How long does it take for a payment to reach the payee?
A. Please allow 5 business days for check payments to be received. An ACH or electronic payment takes two to three business days.

Q. What happens if I make a payment and there are insufficient funds in my account?
A. If you have scheduled a payment for which there are insufficient funds, the Bill Payment Service will be automatically blocked for future bill payments until the account has sufficient funds.  Three attempts will be made to collect the funds.

Q. How can I verify that a payment has been made, or cancel a payment?
A. Click on "Bill Payment" and your pending payments automatically display under "Scheduled Payments".  You can edit or delete a payment until 10:30 pm EST on the day the payment is scheduled to be sent.  To view processed payments, click on "Reports" and run a report on a specific payee or all your payees.  If you need to cancel a payment that has already been transmitted, please contact us at 401-348-1200 or toll-free 1-800-475-2265.

Q. Who do I contact if my bill was not paid?
A. Contact us at 401-348-1200 or toll-free at 1-800-475-2265.

Q. How do I close my Bill Payment Account?
A. Contact us at 401-348-1200 or toll-free at 1-800-475-2265.

Q. What happens if I need to change my checking account number for bill payment?
A. You will need to contact us at 401-348-1200 or toll-free at 1-800-475-2265 to have your bill payment account number changed.

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