 |
 |
Banking online doesn't require high-end computers or software. While we recommend Microsoft Internet Explorer 6.x, other internet browsers and versions are also supported.
See if your current browser enables online banking.
Test your browser
|
|
|
The Federal Deposit Insurance Corporation (FDIC) has published an online brochure aimed at informing consumers of their rights and responsibilities when banking over the Internet.
Safe Internet Banking
|
|
|
| |
 |
| |
| |
| What do I need to sign up for eTeller and ePay? |
To use our internet banking or eTeller system, you will need a computer with Internet access from an Internet Service Provider, and a web browser, such as Microsoft Internet Explorer (ver 5.0 & higher) with 128-bit encryption.
Our internet banking system does not support use of browsers with 40 or 56-bit encryption.
For more information on your favorite browser's encryption features and how to download updated updated versions of your browser, click on one of the following browser logos:
|
| |
| What is the cost for eTeller and ePay? |
eTeller and ePay are FREE!
eTeller and ePay are both completely free of charge in the United States.
|
| |
| How do I sign up for these services? |
To sign up, please visit one of our branch offices. Once your account is set up, we will assign you a User ID and temporary Password. This information may be sent to you by U.S. Mail. Once you are logged in to Bank Midwest eTeller, you can sign up for ePay, an online bill payment service.
|
| |
| How do I access these services once I have signed up? |
You may access eTeller and ePay through Bank Midwest's website at www.bankmidwest.com. Input your eTeller ID on the home page. The second screen will prompt you for your PIN code. If this is the first time that you are signing on to the eTeller system, you will be prompted to change the bank assigned temporary password to a new one which must be a 6-digit alpha numeric password.
New users will also be prompted to choose an image that's your Personal Identification Image. Anytime you log in to eTeller, verify that the picture displayed is the image you originally selected.
These security features are safeguards to protect you.
|
| |
| |
| What types of accounts can I view with eTeller? |
| With eTeller, you can view your Bank Midwest checking, savings, Certificate of Deposits, and IRA accounts, as well as most loans. All accounts and loans must have the same primary taxpayer identification number. |
| |
| Can I access both personal and business accounts with eTeller and ePay? |
| Yes, as long as your account is for a sole proprietorship or a DBA for a sole proprietorship. Otherwise, you will need to setup separate eTeller and ePay relationships for your personal and business accounts. |
| |
| How often is my account information updated? |
Account information is updated nightly Monday through Friday (excludes Saturday, Sunday and federal holidays). For example, you will be able to view Monday's account information and transactions on Tuesday.
|
| |
| Where can I get step-by-step instructions for eTeller and ePay? |
| Detailed instructions are available by choosing Demo from the eBanking drop down menu above. |
| |
| May I download information to financial management software (i.e. Intuit Quicken ® or Microsoft Money ®)? |
Yes, we support downloads in the following formats:
1) Open Financial Exchange ( .OFX - for Microsoft Money)
2) Open Financial Exchange ( .QFX - for Intuit Quicken)
3) Spreadsheet ( .CSV)
4) Word Processing ( .TXT) |
| |
| |
| Can I transfer money from one account to another? |
| Yes. With eTeller you can transfer money between eligible Bank Midwest checking or savings accounts. You may also make payments on Bank Midwest loans from your checking, or savings accounts with us. |
| |
| Can I stop or modify my request to transfer funds? |
| Yes. You can modify or cancel your funds transfer request at anytime until you get to the Transfer Funds Approval screen. Once you have completed and approved a funds transfer transaction and have received a confirmation number, you cannot stop the transfer from occurring. |
| |
| Can I schedule recurring or future dated transfers? |
| Yes, you can establish a recurring transfer with a specific expiration date. |
| |
| Can I tell when a transfer has posted to my account? |
If you approve a funds transfer or loan payment, a "Confirmation Number" will be displayed. You may use this number if you need to refer to the transfer at a later time.
If you make a funds transfer or loan payment using eTeller before 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your funds transfer or loan payment. However, if you make a funds transfer or loan payment using eTeller after 4:30 p.m. or on a day we are not open, we will consider that the funds transfer or loan payment was made on the next business day that we are open. |
| |
| |
| How does Bank Midwest's ePay Bill Payment service work? |
Your payments are electronically transferred from your Bank Midwest checking account to your payee's account through the Automated Clearing House (ACH) network. If the party you are making a payment to is not setup for electronic transfer, a check will be sent by our processor via U.S. Mail.
Recurring and future dated payments may be established.
|
| |
| Are there any payments I cannot make using ePay? |
| The only payments we are unable to make are tax payments and court-ordered payments. |
| |
| When should I setup my payments to make sure they are paid on time? |
You should allow 3 business days for payments being made electronically. For payments being made by check, you should allow 5 business days. The payment method for each of your payees will be clearly identified as either "electronic or "check."
|
| |
| How will I know what payments have been made? |
Through Bank Midwest's online access to your account, you will be able to view the transaction once a payment has been made. The payment will also be clearly itemized on your monthly bank statement.
|
| |
| What if my payee says they have not received my payment? |
If your payee notifies you that a payment has not posted, please call Customer Service at 888.902.5662 (toll-free) for assistance.
|
| |
| If my payment due date falls on a Saturday, Sunday, what should I do? |
Bill payments may be established with a payment date which falls on a Monday through Friday (excludes federal holidays). Payments established with a payment date of Saturday, Sunday or a federal holiday will be processed on the next business day. Remember the payment date is not the due date. You should establish the payment date at least 3 business days prior to the payment due date for payments being made electronically. For payments being made by check, you should establish the payment date at least 5 business days prior to the payment due date.
|
| |
| Do I need to contact my payees to tell them I am using Bank Midwest's ePay bill payment service? |
| No. Using our ePay bill payment service will not change the way your payments are credited or how money is moved through your accounts. |
| |
| Can I place a stop payment on a bill payment that I have already setup? |
| Yes, you can place a stop payment until that payment has been debited from your account. |
| |
| Should I enter my ePay bill payments in my paper check register? |
| Yes. That way, you will be able to properly reconcile your checkbook with your Bank Midwest statement each month. |
| |
| What happens if I do not have enough money in my account to cover the bill payment I have set up? |
| If you request a payment for more than the balance in your account, you may incur the same nonsufficient funds fee as with a personal check. |
| |
| |
| What do I need to know about security? |
The Electronic Banking System takes full advantage of the security provided by your web browser and your web server. Your transactions are encrypted as they travel over the Internet. Anyone trying to listen in on your communications will not be able to decipher them.
The Netscape browser displays a key in the lower right corner of its window. When you are browsing a Web site that is not secure, the key will appear broken. When the session is secure (such as after you log onto the Electronic Banking System), the key appears solid with a blue background.
Not secure:  Secure: 
In addition, your Electronic Banking System account is protected by a password (or "PIN": your Personal Identification Number). No one can use your account without knowing your PIN. |
| |
| What is 128-bit encryption? |
There are basically two types of encryption: "High" and "Standard". The difference between these types of encryption is the strength of capability. A "High" (128-bit) encryption is exponentially more powerful than a "Standard" (40 or 56-bit) encryption. "High" or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. Bank Midwest uses the highest level of encryption (128-bit) to ensure your online transmissions are secure. Our internet banking system does not support use of browsers with 40 or 56-bit encryption.
|
| |
|
| |
|
| |
Top of Page |
| |
|
|
