What do I need to start using Online Banking?
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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 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:
This is one of your current
account numbers. It can be your checking, savings, certificate
or loan account number.
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”.
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
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
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
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
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?
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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
I have a joint account. How do I access
my account? back
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
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?
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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
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
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
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
What are Memo Posted Debits?
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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?
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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
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
You may want to review the Frequently
Asked Questions (FAQ’s), Browser
Requirements, Disclosures or Security before
using Online Banking.