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Handle your money effortlessly.

From Business Online Banking to ACH and Positive Pay, our cash management services can meet the needs of your business.

For more detailed information, or to inquire about opening an account, please visit our Get Started page.

We look forward to hearing from you!

Business Online Banking

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Manage company funds on your schedule. With business online banking, you have secure access to your accounts around the clock. Pay bills, view loan information, transfer funds between accounts, and more. It's all online and it's always open. Contact us to set up online banking for your business.

  • Fast and secure service for business customers
  • Save money on postage fees with online bill pay
  • Access convenient, secure eStatements
  • Instant access to deposit, savings, and loan balance information
  • View detailed account history
  • Transfer funds between accounts
  • Export transaction data to many financial software programs
  • Stop payments
  • Simplify account management
  • Save time; avoid unnecessary trips to a banking center

View our user guides to learn how to use the top features of business online banking and bill pay.

Business Mobile Banking and
Mobile Deposit

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Manage your money anytime, anywhere with our Silvergate Connect Business Mobile Banking app. Whether you need to check your balance, deposit a check, pay a bill or approve pending transactions, Silvergate Bank has you covered. Discover the advantages of having your bank on your phone, wherever you go.

  • Fast and secure service for customers enrolled in business online banking*
  • Easily keep track of your finances on the go:
    • View account balances
    • Review transaction history
    • Transfer funds between accounts
    • Pay bills
    • Deposit checks
    • And more
  • Save valuable time and effort; avoid an extra trip to a banking center
  • Available via any web-enabled cell phone or device
  • Download the Silvergate Connect Business mobile banking app:

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Business Mobile Banking FAQs

HOW DO I SIGN INTO THE MOBILE APP?

  1. Before signing into the mobile app, you must first successfully sign into the desktop version of our website.
  2. Business clients: Enter your Company ID and User ID.
  3. Consumer clients: Enter your User ID.
  4. Enter your password.

WHAT FEATURES ARE AVAILABLE WITH MOBILE BANKING?

  1. View account balances
  2. Review transaction history
  3. Transfer funds between your Silvergate Bank accounts
  4. Pay bills
  5. Deposit checks
  6. Find Silvergate Bank business centers

WHAT DEVICES ARE COMPATIBLE WITH THE MOBILE APP?

Available via any web-enabled cell phone or device.

WHAT IF I GET LOCKED OUT FROM THE MOBILE APP?

Contact Cash Management at 858-362-3317 Monday through Friday 8:00 AM PST to 5:00 PM PST.

HOW DO I MAKE A MOBILE DEPOSIT?

  1. Sign on to your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Deposit”.
  4. Endorse the back of your check with the verbiage “For Mobile Deposit Only at Silvergate Bank”.
  5. Take a picture of the front and back of your check.
  6. Select the account where you want to deposit your check.
  7. Enter the check amount.
  8. Approve deposit.
  9. You will receive an email confirmation that your mobile deposit was successful.

WHAT IF MY CHECK AMOUNT IS HIGHER THAN MY DAILY LIMIT?

Contact your Business Banking Center.

WHEN WILL MY FUNDS BE AVAILABLE?

Deposits processed and approved before 4:00 PM PST on a business day will be available the next business day. Deposits processed after 4:00 PM PST or on a non-business day or federal Holiday will be processed the next business day.

I RECEIVED AN ERROR STATING THAT THE CHECK IMAGE COULD NOT BE UPLOADED. WHAT SHOULD I DO?

Retake the picture by placing the check on a flat surface with a dark background and in an area with enough lighting. Ensure the image is within the preview frame before retaking the picture.

WHAT DO I DO IF THE APP ISN’T RESPONDING PROPERLY?

  • Check to make sure there are no pending updates for this app.
  • Close out of the app completely and re-launch.

If the above steps do not resolve the issue:

  • Delete the app.
  • Clear browser history from mobile device.
  • Re-install application
  • Restart mobile device.

HOW WILL I KNOW IF THERE IS A PROBLEM WITH MY DEPOSIT AFTER ITS BEEN SUBMITTED?

You will receive an email that the deposit has been declined and a representative from your business banking center will reach out as well.

WHAT TYPE OF CHECKS CAN I DEPOSIT?

You can deposit checks payable in U.S. dollars and drawn at a U.S. bank.

HOW DO I DO AN INTERNAL TRANSFER?

  1. Sign into your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Transfer”.
  4. Select “Transfer From” to choose which account the money will come from.
  5. Select “Transfer To” to choose which account the money will go to.
  6. Select “Amount” to enter the dollar amount of the transfer.
  7. Approve transfer.

HOW DO I PAY A BILL?

You must already have bill pay payees setup. You can do this through the desktop version of our website.

  1. Sign into your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Pay Bill”.
  4. Select a payee from the list of payees.
  5. Select “Pay From” to choose which account the money will come from.
  6. Select “Send On” to choose the date the payment will send on.
  7. Select “Amount” to enter the dollar amount of the payment.
  8. Select “Memo” to type a memo for the payment (this is optional).
  9. Approve payment.

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Business Mobile Banking and Mobile Deposit:

*Available for smartphones and iPad tablet devices (iPhone®, iPad®, or Android®) Message and Data rates may apply.

iPhone® is a registered trademark of Apple Inc. All rights reserved.

Android™ is a trademark of Google Inc. Use of this trademark is subject to Google Permissions.

Remote Deposit Capture

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Speed up positive cash flow with a couple of clicks. Our secure desktop scanner connects to your computer, allowing you to deposit checks from the convenience of your office. This easy service reduces travel time and an efficient way to turn checks into cash.

  • Deposit checks from the convenience of your office
  • Utilizes a desk scanner and internet access
  • Simply sign, scan, and then send checks to the bank for processing
  • Checks converted to an electronic image that is then securely
    transmitted to the bank
  • Streamline check handling from multiple offices or locations
  • Next business day credit; realize funds quicker, accelerating cash flow
  • Reduce time and money spent on document preparation and
    transportation

View our Remote Deposit User Guide to learn how to use this convenient service.

ACH Services

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Reduce administrative strain by making your payments electronic. ACH enables you to collect dues, rent, or other monthly fees, all while making recurring monthly payments to vendors. You can also use ACH to issue direct deposit payroll checks for your staff. Whatever payments you make, electronic processing keeps them secure. Cut costs and increase efficiency — learn more about ACH today.

  • Make and receive electronic payments
  • Cut administrative costs
  • Save valuable employee hours
  • Collect payments such as monthly bills or dues
  • Issue direct deposits for employee payroll
  • Save time, money, and paper
  • Reduce opportunities for fraud and error

View our ACH User Guide to learn how to use this convenient service.

Positive Pay

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Stop fraud in its tracks. Positive Pay helps you monitor potentially fraudulent activity, while keeping track of your paid items. Checks you issue to us are compared electronically against your list of previously transmitted and authorized checks. In the event that fraud occurs, Positive Pay will help you recoup your funds. Enjoy greater peace of mind — contact us today.

  • Fully automated system
  • Monitors potentially fraudulent activity
  • Verifies every check written
  • Exposes fraudulent checks
  • Enhances protection while reducing staff hours
  • Frees up employees for other tasks
  • Keeps track of all paid items

What solution are you looking for?

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