Mobile Banking



Bank from your Phone

When your day doesn’t include running to the bank, access your accounts or deposit checks on the go. Just pull out your mobile device. Download our app for the best mobile experience.

  • View balance information and transaction details
  • Find the nearest branch or ATM
  • Pay bills or transfer money
  • Deposit checks with our mobile app on your smart phone
  • Use our app to manage your debit card: activate, suspend, report lost/stolen or reorder


How To Enroll in Mobile Banking

To actively bank using your mobile device, your phone or tablet requires wireless internet service.*

Option 1: Enroll Using Your Mobile Device


Have you previously logged in to online banking successfully and have an active online banking ID? If so, power up your mobile browser and enroll today! If you do not have an active online banking ID and password, Enroll Now to receive your ID.

To start, you need is a mobile phone or device with wireless internet service.*

  1. Activate Your Online Banking ID using a computer.  Log In and update your password and security questions.
  2. Download the Bank Midwest Mobile app to your phone OR point your mobile web browser to
  3. To download the app, search for Bank Midwest Mobile in the App Store or the Google Play store.
  4. Complete the enrollment process on your device by entering your mobile number, identifying your wireless carrier and accepting the terms of mobile banking. Click “Enroll Now” to complete the self-enrollment. Note:  When entering your mobile phone number, it doesn’t have to be the same number as the phone you’re using.   However, phone numbers can only be registered one time for any mobile banking user.

When enrolling with your mobile device, it automatically enrolls ALL of your online accounts in mobile banking. To unenroll accounts or change your text preferences, log in to the online banking from a computer.

Change your mobile settings under the menu:   Settings > Mobile Settings

Option 2: Enroll in Mobile Banking Using Your Computer


Have you previously logged in to online banking successfully and have an active online banking ID? If you do not have an active online banking ID and password, Enroll Now to receive your ID.

  1. Activate Your Online Banking ID using a computer.  Log In and update your password and security questions.
  2. While you’re online, you can update your mobile settings.   Select Settings > Mobile Settings > Web Mobile Settings.
  3. Select the “Enable Web Access” check box.
  4. Choose whether you wish to receive transfer and payment confirmations via text message alerts. NOTE: If you select No, you will not see a confirmation text alert of your enrollment, fund transfers or bill payments. You’ll need to review transaction screen details to confirm your account request was received and completed.
  5. Enter your mobile phone number and select your provider.
  6. Select all accounts that you wish to access via mobile banking.
  7. Review enrollment information and read the Terms and Conditions. Accept these terms and click “Confirm”. A confirmation screen will appear. If you elect to receive text message alerts, the confirmation text will contain the web address for your mobile browser.
  8. Download the Bank Midwest Mobile app to your phone OR point your mobile web browser to
  9. To download the app, search for Bank Midwest Mobile in the App Store or the Google Play store.

*There is no fee from Bank Midwest.  Connectivity and usage rates may apply.  Contact your wireless provider for more details.


How to Make a Mobile Deposit

Remote Deposit Anywhere provides the convenience of depositing checks through your mobile device saving you a trip to the bank. Mobile deposit is part of the standard mobile banking app. If you’ve already downloaded the most recent version of the Bank Midwest Mobile app, you’re all set to make deposits. Simply look for the Deposits tab in the menu options (iOS users may need to click the More tab first).

It’s as easy as 1-2-3!
  1. Snap photos of the front and back of an endorsed check.
  2. Verify the amount of the check and select the account into which you’d like it deposited.
  3. And, submit.  That’s it!

Watch for a confirmation email to indicate that your deposit was successful. You can review your deposit or deposit another check. Mobile check deposits will show in your account transaction listing three times per day: mid-morning, early afternoon and early evening.


Mobile Banking and Bill Pay FAQs


Q. What are the restrictions on the type of mobile devices that can be used to access accounts?
A. Our mobile web solution is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

Q. What functions can I perform from my mobile device?
A. Mobile web banking allows you to:

  • View transactions
  • View account balances
  • Transfer funds between accounts
  • Pay bills
  • View alerts
  • Find locations and ATMs
  • Deposit checks (using the mobile app)

Q. How do I know if my transfer or bill payment was entered successfully?
A. If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through by logging in to online banking.

Q. What if I no longer want to be a mobile web user?
A. Log in to Online Banking > Select Settings > Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree.

Q. What happens if I lose my mobile device?
A. Even though account information is not stored on your device, it’s wise to suspend mobile banking access to your accounts. Log in to Online Banking from any computer, navigate to the Settings > Mobile Settings page and uncheck the web access option. Or, call us at 866.902.5662 for assistance. When you replace your device, simply update your Mobile Settings again and make any changes to the wireless provider and/or phone number information necessary.

Q. Why can’t I add a new payee?
A. Functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.

Q. What happens if I lose communication/signal during a transaction?
A. When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

Q. What do I need to do if I get a new phone?
A. If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your online bank account via the Internet and update your information on the Settings > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

Q. How can I search for a transaction?
A. You will only be able to view 15 days’ worth of transaction history on your mobile device. There is not a search feature.

Q. Can I use any mobile device to access my accounts?
A. Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS text messages will be sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction.

Q. Can I add a new Bill Payment Payee via mobile banking?
A. No. You can only add payments to payees already established through your traditional internet-based Online Banking ID.

Q. How do I delete a Bill Payment that I set up through my mobile device?
A. You must log in to the internet-based Online Banking ID and delete the payment from the main menu of the Bill Pay section.

Q. When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?
A. Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.

Q. What if I can’t get my mobile device to work with online banking?
A. There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements:

  • Your mobile device must be web-enabled.
  • Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

Mobile Deposit FAQs


Q. How do I access the mobile deposit feature?
A. Download the latest version of the Bank Midwest Mobile app and enroll, if not already (see Mobile Banking enrollment Option 1 above). When you open the app, you’ll see a new tab labeled, Deposits, or iOS users may find access to the Deposits feature under the section called More.

Q. Can I use this mobile feature to deposit checks into more than one account?
A. Yes. Multiple checking or savings accounts can be set up in online banking so you can make mobile deposits.

Q. How many deposits can I make with my mobile device?
A. There is a default limit set up to allow up to 5 checks per day for a total of $2,000 in mobile deposits and a rolling 14 day limit of 10 checks and $5,000. If you feel these limits would prevent you from using this service, please contact Bank Midwest Customer Support 888.902.5662 to discuss alternative solutions.

Q. How should I endorse my checks?
A. Endorse your check “For Deposit Only” and then sign your name.

Q. After I make the mobile deposit, what do I do with the endorsed check?
A. Please hold the endorsed check for 10 days before disposing of it to ensure the photos capture the proper check data accurately.  Be sure to shred or incinerate this check when disposing of it.

Q. When will deposits appear in my account?
A. Mobile deposits will follow the same funds availability policy as in-person deposits. Mobile transactions will show in your online account transactions after three processing time periods scheduled mid-morning, early afternoon and early evening.