ARRIVED: A New Banking Experience

YOUR NEW BANKING EXPERIENCE HAS ARRIVED

 

 
Enroll First

Read More First-Time Enrollment Details

We’ve changed to a new, state-of-the-art banking system to make your banking experience faster and safer.

Step 1 

Before you can access the NEW online banking, ALL Online Banking customers must first re-enroll by clicking the link below the Submit button! 

View First-Time Enrollment Steps

User ID:  same User ID as previous online banking
Password: last 4 digits of Social Security Number or TIN

  >> View printable enrollment guide.

Step 2

Then, download the NEW Mobile Banking app and login.  The Bank Midwest apps are available. in the App Store and Google Play

Having trouble?

Customer Support 888.902.5662 ||  Business support 844.238.3838.

  

What’s Not Changing

Access to Cash

There will not be a disruption to ATM access during conversion weekend.  You will have the ability to use your debit card, credit card and/or write checks during the upgrade.

Account Information

Account numbers, Bank Midwest’s routing number and direct deposit information will remain the same.

What’s Changing

Statements and Notices

Bank and Home Equity Line of Credit (HELOC) statements and a variety of notices will have an updated look presenting messages and account information differently.

Multiple April Bank Statements 

You’ll receive multiple statements during the month of April as our old and new systems reconcile each account. Beginning in May and the following months, bank statements will be issued at the end of each month. 

Overdraft Protection and Executive Line of Credit Combined Bank Statements

The final statement generated on our old system April 21 will reflect activity through that date. This statement will show recent activity only and no payment will be requested. 

Your new statement issued at the end of the month will once again display current finance charge and payment due information. Your payment due date may change and will be indicated on the new statement.

Real Time Transaction Balances and Posting Order 

Beginning April 24, our new banking system will feature real time transaction balances to provide up-to-the-minute accuracy of your account balance. 

Certain items may be paid immediately upon receipt. These items include checks deposited at the branch from Bank Midwest accounts, ATM withdrawals, debit card purchases, and other online transactions. 

Currently, debit card purchases and these other transactions are not subtracted from your account balance until the end of the business day. With real time transaction balances, you can track your real balance more effectively throughout the day; however, the immediate payment of funds may cause unexpected overdraft fees to be assessed if your balance falls below zero prior to a processed deposit. 

Holiday Processing 

If a scheduled transaction falls on a bank holiday, the transfer will be processed one day prior to the scheduled date rather than after. 

Holiday and Weekend Automatic Loan Payments

Beginning April 24, our weekend and holiday processing period will change. If an automatic transfer set up for loan payments falls on a weekend or a Federal holiday when Bank Midwest is closed, the payment will automatically be made on the business day prior to the weekend or holiday. Your statement and account history will show the effective date when the automatic transfer was originally scheduled.

For example, if a recurring loan payment is scheduled for Saturday, May 6, the funds will be drawn from the account Friday, May 5. The statement will show the payment is effective May 6.

If Bank Midwest is open on a federal holiday, an automatic payment will be made that same day.

Debit Card Alerts:  Bank Midwest Fraud Center 

A new, enhanced security fraud alert service will be used for suspicious debit card transactions beginning April 24. If suspicious transactions are detected with your debit card, you will be notified by an automated phone system or text message. 

The Bank Midwest Fraud Center will feature a new phone number which you may wish to update or add to your contact list: 877.230.3179

Online, Mobile and Phone Banking 

Accessing your accounts through online, mobile and phone banking will require re-enrollment. Here’s a quick overview of enrolling the first time

Incoming Domestic Wires 

To receive domestic wires beginning April 24, use the following “Receiving Bank” details: 

Receiving Bank: Bank Midwest, ABA # 0912-0164-3 
Beneficiary (Credit): Customer Name, Bank Midwest Account Number 

Incoming International Wires

Beginning April 24, use the following information to receive international wires. The originating institution will determine the U.S. correspondent bank.

Beneficiary Financial Institution (FI): Bank Midwest, 1920 Center Creek Drive, Fairmont, MN 56031
ABA # 0912-0164-3

Beneficiary (Credit): Customer Name, Address and Bank Midwest Account Number

Questions and Answers

We know you have lots of questions about how this change will affect you. Here are some common questions to help you better understand what’s changing and why.

General

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Why are we changing to a new banking system?

Simply said, we’re trying to make your banking experience faster, easier and safer. By upgrading our technology we’ll be able to better serve you in the future.

Who do I contact for help during conversion weekend?

All of our locations, drive-ups, ITMs and Customer Support phone line will be CLOSED during the weekend of April 22-23.  Our team members will be busy preparing for the new banking system launch on Monday, April 24.

We will be ready to answer any questions you have regarding the new banking solutions when we re-open Monday morning.

If you can, plan ahead and schedule any timely bill payments or account transfers by 4 p.m. on Friday, April 21.  That way you won’t need to worry accessing your accounts the weekend of April 22. Our banking system will be down and no transactions can be made using any online, phone or mobile channel.

If I have any questions about these changes, who can I talk to? 

Customer Support
Phone: 888.902.5662 
  Monday – Friday 7 a.m. – 7 p.m. 
  Saturday 8 a.m. – 12 p.m.
Email: customersupport@bankmidwest.com

Will I still be able to use Quicken, QuickBooks and Mint?

Yes. In order to ensure a smooth transition during the upgrade, there are some steps that you will need to take in your Quicken and QuickBooks software. Look for the Quick and or QuickBooks section at the bottom of this page for more instructional information. 

Mint Users

Your accounts will be unable to be updated from 4.21.2017 through approximately May 1. After this short period, your accounts will be updated automatically and no action will be necessary.

Accounts and Statements 

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How will this change my account?

Your account isn’t going to change. Your current checks, debit cards and debit card PINs will continue to work. 

Will my statements change?

Yes.  Bank and Home Equity Line of Credit (HELOC) statements and a variety of notices will have an updated look presenting messages and account information differently. The biggest change will come with the date they will be issued.  All bank statements will be issued at month-end beginning in April and moving forward.

Why am I receiving multiple statements in April?

During the month of April, you will receive multiple statements as our old and new systems reconcile each account.  One will be issued on your original statement date, another on April 21 as we close out our old banking system, and the new system will issue a statement at the end of the month and continue issuing month-end statements moving forward.

How does this affect my account service fees?

During the transition, multiple statements will be issued in April and your statement issue date will also be moved to month-end starting in April. Account service fees will not apply to accounts for partial-month statements issued on April 21 and April 30. In May, account service fees will resume and appear on the statement issued at month-end if account qualifications are not met.

Will direct deposits work as they have in the past?

Yes, your existing direct deposit will continue to fund your account.

Will I continue to receive Online Statements if I currently am enrolled?

Yes. You’ll continue receiving your statements online though the notification process is slightly differently. The new notifications will not have a statement attached. You’ll receive an email notification that the most recent statement is now available. 

I have set up automatic transfers in online and mobile banking. Will they continue after April 24? 

Yes. Scheduled transfers will transition into the new online solution. However, after April 24, you should re-enroll in online banking to confirm the transfer schedule transitioned correctly.

Online Banking

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Why are we changing to a new online banking platform? 
Simply said, we’re trying to make your banking experience faster, easier and safer. Don’t worry. These are one-time changes; after you re-enroll, you’ll be good to go. Enjoy the new features!  
Will I be able to login using the same User ID and Password?
Not exactly. The first time you access the new Online Banking solution you will need to go through a new enrollment process. 
  • Click the Enroll link from our website home page. 
  • Select Let’s Get Started  and review and accept the terms and condition.
  • Click I Know My User ID and Password and review and accept the terms and conditions.
  • Enter your current User ID; enter the last 4 digits of your social security number in the password field;  and, the Random Code displayed on screen.
  • Establish three security questions (new: you can create your own questions!).
  • Create a new password. You may use your existing password in the new system. 

>> First-time enrollment instructions.

>> View printable enrollment guide.

I have set up automatic transfers between my accounts. Will they continue after April 24?

Yes. Scheduled transfers will transition into the new online solutions. However, after April 24, you may want to re-enroll in online banking (or mobile) to confirm the transfer schedule is correct.

What information will be available April 22-23?

Your account balances as of Friday, April 21, will display. Any debit card activity during the weekend of April 22-23 will not display until Monday morning, April 24. 

Will I be able to see my transaction history and previous statements?

You will have access to your transaction history from January 1, 2017, until April’s conversion. We would like to encourage all Online Banking customers to download history and statements prior to April 21 , 4 p.m., for their records.

Will Online Banking alerts carry over?

No. You will need to set up personal alerts in the new online banking solution. ​

Bill Pay

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Will I access Bill Pay through Online Banking and Mobile Banking like before? 

Yes. You will need to re-enroll in Online Banking and accept the terms of a new user agreement for Bill Pay and all online services.

Will the merchants and vendors I’ve already set up move into the new Bill Pay?

Any companies and merchants set up as payees using standard Bill Pay will appear in the new system; however, please review converted payees on April 24 or later. Some merchants may no longer be able to accept online payments through our new vendor. If a merchant converts from accepting online payments to checks sent by mail, there will be a time delay in receiving payments.

Any payees that you set up using the Pay a Person feature will not appear in the new system.  You can easily set them up again by using their email or cell phone.

Will scheduled bill payments transfer to the new system?

Yes, scheduled one-time and recurring bill payments will be transferred to the new system on the dates originally scheduled for payees. You are encouraged to download scheduled transactions to make sure they transfer correctly into the new system after April 24. 

Will my Bill Pay transaction history convert to the new system?

No. Unfortunately, you won’t be able to see bill pay transactions processed April 21 or earlier in the new system. However, you can reference previous bank statements for these transactions. 

If you’d like, you can download your bill payment history to an Excel document prior to 4 p.m. April 21.

Mobile Banking

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How long will the current app work?

The current app will continue to work through Friday, April 21, 4 p.m. After that, the mobile app will be in display-only mode showing the most recent account balance and transaction details as of the end of the day processing on Friday.

Will I have to download a new mobile banking app?

Yes.  On Monday, April 24, you can download the new mobile banking app from the App Store or Google Play. Look for the new green diamond on the burgundy background. First, we strongly recommend that you re-enroll in Online Banking first and then use the same Username and Password to log into mobile banking. Use this handy enrollment guide.

When will the new app be available and when can I expect it to work?

The new mobile banking app will be available and working on Monday, April 24, at 8 a.m. Download the updated app. Re-enroll in Online Banking first and use those credentials to log in to Mobile Banking.

Will the new mobile app have the same features as our current one?

Yes, plus some new features that we’ll communicate with you more about after the launch. For greater account security, you’ll need to enter your password (or an optional 4-digit PIN) when you transact.  It takes just a second longer, and it keeps your account secure at the highest level.

Online Statements

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Will I continue to receive Online Statements if I am currently enrolled?

Yes. You’ll continue receiving your statements online though the notification process is slightly differently. The new notifications will not have a statement attached. You’ll receive an email notification that the most recent statement is now available. 

Will I be able to see my transaction history and previous statements?

You will have access to your transaction history from January 1, 2017, until April’s conversion. We would like to encourage all Online Banking customers to download history and statements prior to April 21 , 4 p.m., for their records.

Debit Cards and ATMs

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Will the Bank Midwest ATMs be available during the conversion?

Yes. Bank Midwest-owned ATMs will be available all weekend during the conversion. Even though the Personal Teller option of the ITM will not work on Saturday​, customers will be able to use the ATM functionality when other systems are down.

Is the MoneyPass Network changing with this conversion?

No, we will continue to utilize the MoneyPass network.

Will the ATM portion of ITMs function during the conversion weekend?

Yes. Even though the Personal Teller option of the ITM will not work​, you will be able to use the ATM functionality when other systems are down.

If I received my debit card prior to April 24 but I didn’t activate it, how do I activate it April 24 or later?

Activate your card by calling an automated phone system  866.642.0450 from your primary phone number. International cardholders should call 859.488.4128.

How will I report a lost or stolen debit card after April 24?

You may call Bank Midwest during normal business hours. After hours, call our new partner Vantiv’s lost/stolen number at 800.528.2273.   International cardholders may call 812.647.9794.​

Phone Banking

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Will Bank Midwest continue to offer Phone Banking?

Yes. We will continue to offer Phone Banking as an option to access your accounts.

Will the number for Phone Banking change?

No.  The Phone Banking number will remain the same — 800.914.6027.​

Will login credentials for telephone banking change?

Yes. If you’re an active phone banking user, you can re-enroll in Phone Banking using the following credentials. Please allow a little extra time (5-10 minutes) for the initial set up. View an overview of the enrollment process.

Will I need to do anything different starting April 24? 

Yes. You may call the same phone line (800.914.6027), but you will need to re-enroll by pressing the * key and follow the prompts the first time you call in.  The menu options will also be different.

Cash Management

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Will the log in process change for my business users?

All business users will need to re-enroll through Online Banking following the consumer enrollment instructions but using the Business TIN. In addition to re-enrolling the first time, you will need to choose either a physical token or use a token displayed in a mobile app on your device. Desktop tokens will no longer work beginning April 24. After enrolling in Online Banking , users will need to contact Business Solutions Support at 844.238.3838 to register their security token

Will my ACH Batches convert?

No.  Payee records will convert; however business users will need to set up ACH Batch Templates in the new system. Here are some instructions to help get you started. Cash Management ACH Instructions (408 KB PDF)

Quicken

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What do I need to do to access my online banking transactions in Quicken starting April 24?

Essentially you’ll need to disconnect Quicken from accessing the old banking system (named Bank Midwest, Minnesota Iowa NA  and reconnect to the new system, Bank Midwest, One Place on or after April 24.

Web Connect was typically used to connect your account with Quicken (and is still available); however, we now have the Direct Connect option which tends to be more reliable and easier to use. 

Use these tip sheets to help access your accounts.

WINDOWS
Quicken for Windows: Web Connect to Direct Connect Quicken for Windows: Web Connect to Web Connect
 MAC
Quicken for Mac: Web Connect to Direct Connect Quicken for Mac: Web Connect to Web Connect
My register is out of balance. How do I remove duplicate transactions from my register? 

There is a preference that is available in Quicken for Windows, “Automatically add downloaded transactions to register.” If this preference is enabled, then you will have to delete the transactions in the register.  

  • If the transactions have not been accepted to the register, they can be deleted one be one prior to accepting.  
  • If the transactions have already been accepted to the register, they can be deleted one by one, or multiple transactions can be deleted at one time. 

Quicken Help & Support

Online Banking Common Help Topics

 

QuickBook Users

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What do I need to do after April 24 to access my Online Banking transactions in QuickBooks?

Essentially you’ll need to disconnect QuickBooks from accessing the old banking system and reconnect to the new system that launches April 24.

Web Connect was typically used to connect your account with QuickBooks (and is still available); however, we now have the Direct Connect option which tends to be more reliable and easier to use. 

Use these tip sheets to help access your accounts.

WINDOWS
QuickBooks Windows: Web Connect to Direct Connect

QuickBooks Windows: Web Connect to Web Connect

 MAC
QuickBooks for Mac: Web Connect to Direct Connect QuickBooks for Mac: Web Connect to Web Connect
How do I remove duplicate transactions from my register? 
  • If the transactions have not been accepted to the register, they can be deleted one by one prior to accepting.
  • If the transactions have already been accepted to the register, restore a backup file and repeat the reactivation steps 

QuickBooks Help & Support