Frequently asked questions:


 

What do I need to start using Online Banking? back to top

Bank North’s Online Banking may be accessed on the Internet via our website, www.banknorthwis.com. If you have Internet Service you can access your accounts using Online Banking. You do not need any additional software.

To enroll for Online Banking please stop in at any of our five locations and complete the enrollment form. You will be provided with a temporary Access Code and Password. You will also be provided with an Online Banking Agreement and Disclosure.

You will also need the correct browser configuration. See Browser Requirements for details.

I have my temporary Access Code and Password and I have read the Disclosure and Agreement. Now, what do I do? back to top

To access Online Banking, click on the “Online Banking Log In” button found on the upper right-hand corner of our homepage. You will then see a “First Time User” button for you to use. Click on the “First Time User” button to complete the information on the screen:

Access ID
This is one of your current account numbers. It can be your checking, savings, certificate or loan account number.
Account Type:
Using the drop down box, indicate the type of account that you’re using as your Access ID. For example, if you entered your savings account number in the Access ID, select “savings”.
Password
You will receive your temporary password when you enroll for Online Banking at any Bank North office.

After clicking on “Submit” you will then be asked to change your Access ID and password. You must change your password, but you do not have to change your Access ID. If you do not choose to enter a new Access ID when you are prompted to change your password, your Access ID will continue to be the account number that you used when you logged in for the first time. Remember, joint account owners are required to have different Access ID’s.

Your password must be at least six characters but not more than seventeen characters in length and must contain at least one letter and one number. Remember, characters are case sensitive, so you must use the same capitalization each time. Bank North will not know the password you choose, so you must carefully protect and remember it.

After completing the “First Time Log In”, you can Log In each time thereafter by using your Access ID and new password.

Is Online Banking secure? back to top

At Bank North we use cutting-edge technology to ensure that all customer information is always safe. The server that stores your Bank North account information uses 128-bit Secure Socket Layer encryption. Encryption turns meaningful data into coded or scrambled language. Everything you do during your Online Banking session becomes a string of unrecognizable numbers before entering the internet.

Does Online Banking allow me to do my banking 24 hours a day? back to top

Yes. Bank North’s Online Banking is available for you to do your banking 24 hours a day, 7 days a week, 365 days a year –you choose what time is convenient for you. Funds transferred after 6:00 P.M. or on weekends and holidays will be processed on the next business day. Please note: Periodically we may have to perform maintenance on Online Banking, so it may not be available for short periods of time, but this will be infrequent.

What banking transactions can I do with Online Banking? back to top

With Online Banking you can view any of your Bank North account balances, transfer funds between your accounts, make loan payments, view statements and download your transaction information for use in your personal financial management software (Quicken, Quick Books or Microsoft Money).

What is my Access ID? back to top

As a first time user, your Access ID must be one of your account numbers. After you Log In for the first time, you will be prompted to change your Access ID. At that time you can personalize your Access ID, or continue to use your account number. If you personalize your Access ID you must use at least six letters and/or numbers. Remember, the Access ID is case sensitive.

You must change your password, but you do not have to change your Access ID. If you do not choose to enter a new Access ID when you are prompted to change your password, your Access ID will continue to be the account number that you used when you logged in for the first time.

I have a joint account. How do I access my account? back to top

Each individual customer needs to sign on to Online Banking using his or her own password and Access ID. If one signer on an account has already accessed Online Banking using the First Time User button, their Access ID (account number) is assigned to that password. If an Access ID (account number) is already used you will be prompted to choose a new Access ID.

Why can’t I see my spouse’s account? back to top

Your password allows you to access the accounts to which you are an owner or signer. If you are not able to view an account that you believe you should be able to, contact Bank North at 715-856-5116.

What should I do if I forget my Password? back to top

The first time you log in to Online Banking you are required to change your temporary password. Changing your password ensures that no one else knows your password. If you do forget this password, you can use our convenient “E-mail one-time passcode” feature of online banking. You will receive a new online banking passcode to your registered email address on file.

I’m a current Online Banking user. Why can’t I Log In? back to top

The security for Online Banking ensures that you are the only one who knows your password. Online Banking will consider you a “First Time User” until you go through the process of changing your password at least once. If you have an old “bookmark” or “favorites” link to access Online Banking you will need to update your Online Banking link. Access Online Banking through our “Log In” button at the top right of our home page.

Your Online Banking ID is case sensitive. If you used any capital letters in setting up your Access ID or password you must also capitalize those same letters every time that you enter your Access ID and password. If you are entering the right Access ID and Password and you’re still not able to access Online Banking, check to see if your Caps Lock button is on.

When do my banking transactions appear on Online Banking? back to top

You are able to view your account information “live”. Any ATM transactions, debit card transactions, electronic items, or transactions made in person at any of our five offices will appear immediately by clicking “Transactions” and then “Current Business Day”. “Current Business Day” transactions are pending transactions. Deposits made at any of our offices, ACH, debit card, or ATM card transactions make up the majority of these entries.

Remember that certain types of transactions, such as debit card transactions may appear confusing. These transactions may or may not post to your account at the end of the business day. For example, if you purchase an item from a merchant using your debit card, a verification transaction is sent to your account to see if you have enough money for the purchase. This verification shows up as a pending transaction until the end of the business day. Another transaction is sent to your account when the merchant actually processes the purchase. In some cases, the verification and the actual transaction will both appear as pending transactions on the same day. Only one of these will post to your account.

It can be confusing when merchants send verification to your account. Some will verify the exact dollar amount of the purchase while others round-off. Some restaurants will add 15% to the verification amount to cover an expected tip. This amount is not the amount that will be deducted from your account. This amount is for verification purposes only and should not be written in your check register as the actual transaction amount.

What are Memo Posted Debits? back to top

Transactions that we receive but have not been run through the bank yet are shown as Memo Posted Debits. This is found in the “Current Business Day” section of the transaction menu. This is the most current balance for your account.

How do I check on transfers? back to top

You can set up a one-time transfer or set up an automatic transfer to occur on a schedule that you assign it.

One time transfers. Once you receive a Confirmation Number that your “One Time Transfer” occurred, you know it will take place. We recommend that you either print the page with your Confirmation Number on it, or simply write down the Confirmation Number. If you do have any questions about your transfer we will need the Confirmation Number in order to look it up and help you.

You will be able to view your transfers by clicking the “Transactions” button for each account and looking at the “Current Business Day”. A transfer made from a deposit account will appear immediately, however a payment made to a loan will appear only after the nightly bank processing update takes place.

Canceling or editing a transfer. One time transfers are “real time” meaning that once you have submitted your transfer request, it affects the balance. To “undo” the transfer, you must reverse the transfer.

New Scheduled Transfers. All of the details about your transfers that were set up using the “New Scheduled Transfer” button will appear by clicking the “Transfer” button under the account the transfer will be coming from.

Scheduled Transfers. Scheduled transfers are not “real time”, that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer.

To review your scheduled transfers use the “Transfer” button. To modify a transfer, click on the link to the account you wish to change. It will open the transfer details you set up. To cancel the scheduled transfer, change the remaining transfers to zero. Choose “Update Transfer Information”.

Can I use Online Banking with my Quicken or Microsoft Money? back to top

You can export your transaction information from Online Banking. Just select the account you want to export the information from. Select the “transaction menu” then in the “transaction search” area enter any specific detail to export (or leave it blank to export all information ) then choose “export”.

OR, you can also use your software’s import function (such as Quicken or Microsoft Money) to transfer the information from Online Banking.

You may want to review the Frequently Asked Questions (FAQ’s), Browser Requirements, Disclosures or Security before using Online Banking.