Mi Banco Comercial

• How to Enroll in Internet Banking with a FlexiCuenta de Negocios®?

  You must have an ATH card on your name for the business account that you want to enroll. If you don't have an ATH card for the account, you may apply for one by calling TeleBanco Comercial, between 8:00 a.m. and 6:00 p.m. (Monday through Saturday) at (787) 756-9130 or toll free at 1-888-756-9130.

  
  

  Once you have activated your ATH card, you must enroll to My Online Bank using your personal information (social security number and date of birth), not the business information. When you complete the enrollment process, the system will show all your personal banking relationships with Banco Popular, including the FlexiCuenta de Negocios^® you used to enroll.

  
  

  If you don’t want this enrollment to show your personal banking relationships, ask the Internet Banking Technical Assistance group to perform this change by calling (787) 724-3655.

• How can I download my transactions to my computer?
  • To download transactions made using Mi Banco Comercial you must follow these steps:
    1. Login to the desktop version of Mi Banco Comercial
    2. On your account’s main screen, select Account Services from the menu on the left.
    3. In the Account Statements section, select the option to export transactions.
    4. Choose the account from which you want to export transactions.
    5. Select the period you want to export.
    6. Select the program in which you want to download the transactions and press Export.
  • The system will offer the option to Save or Open the document with the transactions on your computer. In addition, Mi Banco Comercial allows you to export your transactions to QuickBooks¹ so you can easily manage your business’s operations. To export reports, you must have access to QuickBooks^® 2013 software or recent editions.

  
  

  ¹ QuickBooks^® is a registered trademark of Intuit Inc.

• How can I change the phone number where Mi Banco Comercial’s notifications are sent?
  • To change the phone number associated with your account, follow these steps:
    1. Login to the desktop version of Mi Banco Comercial.
    2. Click on the Alert Types option seen in the menu on the left.
    3. Click Edit in the box on the right: Contact Information.
    4. Fill in the corresponding fields with the new information for your phone.
    5. Click on the box to accept the terms and conditions.
    6. Click on the Send button.
  • Done! Following those steps will have allowed you to change your information.
• What is the difference between Mi Banco Comercial and Mi Banco Online?

  Mi Banco Online is aimed at individuals. However, you will be able to see your B-Smart^® account. On the other hand, Mi Banco Comercial is aimed at businesses and allows you to use applications to help manage your business efficiently, such as the Business Payments module to make payroll and supplier payments, and the Reverse Positive Pay check fraud prevention module; neither module can be accessed through Mi Banco Online.

• What are the options for depositing money electronically?
  • Banco Popular provides options to electronically deposit your business’s money. You can deposit checks within the Mi Banco Comercial app, using the Mobile Easy Deposit tool. In addition, the Remote Deposit service allows you to deposit your company checks right from your location, using a computer and a scanner. If your business handles a high volume of cash, you can deposit it from your location using the safe deposit boxes available through the Virtual Vault service.
  • For more information about the deposit services available for businesses, click here.
• Is there a limit on the number of bills (water, electric power, phone, etc.) that I can pay online?

  There is no limit on online payments. Through Mi Banco Comercial you will be able to pay all your utilities, including water, electric power and mobile phone, among other services.

• What is the difference between the desktop version and the mobile version of Mi Banco Comercial?
  • Both versions will allow you to:
    1. Review transactions in real time and transfer funds between Popular accounts.
    2. Make payments to utilities like water, electric power and mobile phone, among others.
    3. Make payroll and supplier payments using the Business Payments module.
  • The desktop version of Mi Banco Comercial gives you access to different options that are unavailable in the mobile version, such as:
    1. Edit personal profile information
    2. Download statements to your computer
    3. Register new utility payments
    4. Originate and cancel stop payments
    5. Export your transactions to Quickbooks³.
  • In addition, the Business Payments module allows you to register and pay your employees and/or suppliers. It also gives you access to the Reverse Positive Pay check fraud prevention service. Meanwhile, in the mobile version you will have access to other services like ATH Móvil, Retiro Móvil and Mobile Easy Deposit.
  • One of the current advantages is that you can use the desktop version from your mobile phone or tablet, which allows you to have full access to all the functions of Mi Banco Comercial using a single device.
• Is there a limit on transfers between accounts?

  Yes, transfers of funds do have a limit. You can transfer up to $10,000 per (business) day between accounts in which you are a signatory. Furthermore, you can transfer up to $3,000 a day to accounts in which you are not a signatory.

• Can I transfer money, online, from one account to another?

  Mi Banco Comercial will allow you to make online transfers between accounts. If you want to transfer funds to an account in which you are not a signatory, you must register the account in your transfer options. This can be done by visiting one of our branches or calling the Commercial Support Center at 787.756.3939 or at 1.855.756.3939.

• Can I register more than one account at Mi Banco Comercial?

  You can register up to 3 business accounts that have the same Employer Identification Number.

• How can I make a new registration at Mi Banco Comercial?
  • To register at Mi Banco Comercial you must follow these steps:
    1. Go to the Banco Popular website: popular.com.
    2. In the upper right corner, next to where it says Connect, look for Mi Banco Comercial and click on this option.
    3. Click on the word Sign Up to begin the registration process.
    4. Fill in the boxes with your demographic information.
    5. Complete the information for your business account and ATH debit card.
    6. Select your username and password.
    7. Select your security questions.
    8. After reading the Terms and Conditions, check the box where you will accept them and click on the Send option to continue with the process.
    9. After clicking Send, the main page of the platform you selected will reappear and you can begin to enjoy its benefits.
• How can I cancel the Mi Banco Comercial service?

  To cancel the Mi Banco Comercial service, you must call the Commercial Support Center at 787.756.3939 or 1.855.756.3939 (toll free) and request the service cancellation document.

• How can I solve a registration error within Mi Banco Comercial?

  To solve registration errors, please call our Commercial Support Center at 787.756.3939 or 1.855.756.3939 (toll free).

• How do I add a payee at Mi Banco Comercial?

  You can add a new payee using the desktop or mobile version of Mi Banco Comercial. To add one, please follow these steps:

  1. Open the updated version of the Mi Banco app or go to popular.com.
  2. Login and go to the Payment section.
  3. Click on Select Payee.
  4. Select the Add Payee option.
  5. Search for the business you want to add or choose from the menu.
  6. Fill in the required fields and click Add Payees when you are done. Done! Now you can make payments to that payee.
• How can I change my Mi Banco Comercial password?

  If you want to change your Mi Banco Comercial password, please follow these steps:

  1. Login to the desktop version of Mi Banco Comercial.
  2. Select the option that says My Information.
  3. Choose the Change Password option that appears to the right of the column.
  4. Fill in the boxes according to the instructions.
  5. Click the Send button. Done! Now you will have a new access password for your accounts.
• What should I do if my access to Mi Banco Comercial is blocked?

  To regain your access to Mi Banco Comercial, press the “Forgot Your Password?” option on the Mi Banco Comercial main page. The system will ask you to enter your account information in order to regain access. If you have difficulty dealing with the process or if you want assistance, please call the Commercial Support Center at 787-756-3939 or 1-855-756-3939 toll free and choose option 3 for technical support.

• What is the two-step verification at Mi Banco Comercial?

  The two-step verification is a security method that Popular implements in the authentication process to access Mi Banco Comercial. It adds an additional level of security. The process consists of two authentication methods, performed one after the other, to verify that the person requesting access is who they claim to be. When you login to Mi Banco Comercial, we will send a code to the registered mobile phone number to confirm your identity.

• What type of business is eligible to use the Mi Banco Comercial tool?

  Any registered business is eligible to use Mi Banco Comercial.

• When should I be able to see my electronic account statement?

  Business account statements close at the end of the month. You will be able to see your account statement between 2 to 3 business days of the next month.

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