Online Services USER GUIDE Welcome to online banking! Whether you re online or using a mobile device, access your accounts whenever and wherever it s convenient for you. First Time Log In Log In: BankMidwest.com Online Banking ID: Password: Last 4 digits of the primary account owner s SSN or business TIN Customer Support: 888.902.5662 customersupport@bankmidwest.com Online Banking ID Enter your 12-digit ID in the online banking login box and click the submit button. Tip: You can always login with this ID number; however, you can also set up an ID that s easier to remember under the Settings tab. Choosing Passwords Your initial password is the last four digits of the Social Security Number or Tax Identification Number used to open the account. Change your password using the following tips: Choose a password that is between 8 25 characters. xxxxxxxxxxxx Passwords must contain at least one letter and one number. Avoid using birthdays, children s names, or other obvious words that fraudsters could guess. You will be asked to change your password periodically in order to protect your accounts. Select an Image Choose a Personal Identification Image from the library available. Each time you enter your Online Banking ID, verify the image displayed to ensure you ve accessed our legitimate banking site. If you don t recognize an image, make sure you ve entered the correct User ID. If you have, call Customer Support at 888.902.5662 to let them know. Password Reset Set up the ability to reset your own password whenever you need to. Under the Settings tab, enter a Personal Question and Personal Answer that only you would know. In the future, if you forget your password, click the Forgot password? link. Answer the Personal Question correctly and update your password through a web link that will be emailed to the address you provided.
Online Banking Accounts View all of your accounts at a glance along with current balances and account status. The account listing is your default start page (unless you change it to customizable pages My View or the Payment Center). For every account listed, a Select Option drop-down menu displays a list of items you can view or activities you can do online depending upon the account type: Transactions, Download, Temporary Statements, Stop Payments, Transfers and Account Information. Transactions Click the account name link or select Transactions from the drop-down menu next to an account to see the detailed listing. Transaction history is available for 120 days. Transaction List Options: Choose number of transactions displayed View check images Sort columns to customize view Switch between accounts Transaction Search Select Search from the Transaction sub-menu to search transactions by date, dollar amount, credit, debit, description or check number. Download Transactions Download transaction details for managing your money. Select Download from the Options menu next to an account. Choose a Date Range and File Format: Microsoft Money, Quicken, QuickBooks, Personal Finance, spreadsheet or text. Click Download. Stop Payments Select Stop Payments from the drop-down menu next to an account. Fill in the required fields and click Submit. Important Information Contact the bank to edit or remove a stop payment. Print out the stop payment confirmation page, sign, and mail, fax, or bring in to your local branch. Stop payment fees will be deducted from your account in accordance with the terms of your account. Temporary Statements Select Temporary Statements from the drop-down menu next to an account. Statements are available in PDF, HTML, and text formats. Statement history is available for 120 days. Note: Temporary statements do not qualify as a delivered statement. Please use the Documents tab to set up your online statement delivery which allows you to save them to your computer or view them online for to 18 months. 2
Transferring Funds Choose Transfers from the drop-down menu next to an account. Select which accounts you re transferring funds from and to. Enter the Transfer Amount, Frequency, and Transfer Date. Click Submit and Confirm to complete the transfer. Pending and Completed Transfers Select Pending Transfers to view, edit, or delete a scheduled transfer. To see a list of completed transfers, select Transfer History. Transfer history is available for 90 days. Transfers submitted online before 8 p.m. (CT) on a business day will be posted to your account the same day. Transfers submitted after that time, or on Saturday, Sunday or banking holiday will be posted to your account the next business day. My View Customize a dashboard-style view of a variety of account information balances, transactions, payments, etc. based on what s important to you. Display or remove parts of the page (called widgets ). Select the order that each widget appears (top to bottom) within the column. Choose to make this customized view as your default starting page when you first login. Tom Test Bill Pay First Time Bill Pay Users The first time using Bill Pay, you will need to select the account(s) you wish to use for paying your bills. Click Submit. Review and agree to the terms to set up the bill pay service. Add Payees. Enter information for each payee to which you want to submit online bill payments. Add New Payment. Review details below for further instructions. Main Scheduled Payments View payments that have been scheduled in advance. History See a listing of payments that have been made and/or scheduled including the Payee name, status, date processed, confirmation number and amount. Bill Pay history is available for 19 months. Payment Center Customize a view of bill pay transactions and information (at least one Payee must be set 3
up to view this page). Decide which parts or widgets to display or remove. Order sections from top to bottom within the columns. You can choose to make this personalized view as your default starting page when you first login. Add Payee There are two types of payees company and individual. Some payees accept online payments electronically. Others only accept printed checks issued through our centralized processing center. Company payees usually receive their payments electronically, while individuals receive check payments. Add Payee: Company Enter company and account information to search our database and determine which form of payment is accepted. Select Add Payee > Pay a Company. Enter payee and account information and click Search. If the company you entered is available as an electronic payee, it will display so you can select and continue to create the payee. If the payee is not set up as electronic, select the Add Check Payee button at the bottom of the page. Add Payees: Individual Select Add Payee > Pay an Individual. Enter payee and account information. Click Submit. Important Information Allow 2-3 business days to process an electronic payment and 5-7 business days for a check payment. Funds for payments made to electronic (company) payees will debit your account on the payment date. Funds for payments made to check (individual) payees will debit your account when the check clears. New Payment New Payments can be added in three ways: Quick Payment (default) - Add up to 10 one-time payments from the one screen. Add Payment - Set up one-time or recurring payments; schedule the payment date in advance. Expedited Payment - Schedule an expedited payment for overnight delivery for a fee (typically less than late fees charged by the payee). Payees View the list of payees you ve set up for online bill payments along with your account number, the type of payee (electronic or check) and date last paid. Edit or delete payees from this screen. 4
Settings Use the Settings tab to enroll or update the following options: Personal Update your email address. Create an Online Banking ID that s easier to remember instead of your assigned 12-digit ID. Change your password. Set up your Password Reset Question and Answer. Accounts Give your accounts pseudo names or nicknames that are easier to remember. For your protection don t use your full account number. Shorten it up to the last three digits. For example, use Checking 348. Edit the order in which accounts are displayed by dragging and dropping the accounts listed to your preferred order. Display Edit the number of accounts displayed per page. Edit the number of transactions displayed for your accounts or bill pay. Alerts Events Incoming direct deposits, funds transfer information, bill payment notifications, statement notifications. Balance Notification of account balances above or below a target. Item Notification of cleared checks. Personal Set up an alert using a calendar date with your own description. ATM/Debit Card Activate a new card. Report a card as lost or stolen. Reorder a debit card if yours is damaged. Mobile Settings (See the Mobile Banking section in this guide for additional information.) Enroll in mobile banking and update your settings. Set up text banking and make updates as needed. Documents Online Statements Online statements are secure and won t get lost or stolen in the mail. To receive statements and/or notices online, log in to Online Banking: Select the Documents tab. Click the Details link to select which accounts you d like to enroll. Confirm your email address for online delivery, and enter a security phrase that will appear in the subject line to help you verify the email s authenticity. Select Click Here to get an Enrollment Passcode. Enter the code in the field. Review and agree to the Terms and Conditions and click Enroll Now. Watch for a confirmation email to know you ve successfully signed up for online statements! 5
Statements and Notices View all statements and notices by account for up to the past 18 months. Additional Recipients Send a copy of your online statement or notices to second email address. Enter the contact details here. Reconciliation Wizard Balance your latest statement online using this easy-to-use wizard. Mobile and Text Banking Access your accounts on the go using your mobile device. It s free!* Mobile Banking is set up for smart devices with internet access and allows you to make transactions (like transfer funds or pay bills) and view account balances and transaction details. Text Banking requires texting service on your phone and provides limited information only account balances and recent transactions. If you own a smart device, the mobile app is a quick way to log in to your accounts, once you ve downloaded the app to your device. Or, simply open your web browser and navigate to bankmidwestmobile.com. Mobile App Download the Bank Midwest Mobile app to your device. For iphone, ipad and ipod Touch Devices 1. Click the App Store SM icon. 2. On the Search screen, type in Bank Midwest to find the app. Tap to open. 3. Tap the Install button to download. Enter your Apple ID, if prompted. Apple, the Apple logo, ipad, iphone, and ipod Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. INSTALL For Android TM Android and Devices Google Play are trademarks of 1. Click the Google PlayTM store icon. Google Inc. 2. In the Search box, enter Bank Midwest to find the app. Tap for app details. 3. Tap the Install button to download. If you ve logged in to online banking before and have an active online banking ID, tap the Bank Midwest app icon to open and enroll in mobile banking. If not, you must first activate your online banking ID from a computer to get started. Remote Deposit Anywhere 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, you re all set to make deposits. 1. Look for the Deposits tab in the menu options (ios users may need to click the More tab first). 2. Select the word Capture next to Check Front. 3. Center the check in the blue lines and take the picture. 4. Endorse the check For Deposit Only and sign your name. Take the picture of the back of the check in the same way you did the front. 5. Enter the amount of the check and select Deposit to next to Choose Account. 6. Select Deposit Check. 6
Watch for a confirmation email to indicate that your deposit was successful. You can review your deposit or deposit another check. 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. Mobile check deposits will show in your account transaction listing three times per day: mid-morning, early afternoon and early evening. Mobile Web If you ve logged in to online banking before and have an active online banking ID, you can power up your mobile browser and enroll in mobile banking. If not, activate your online banking ID from a computer to get started. Enroll in Mobile Banking 2 options 1. Use Your Mobile Device Open the Bank Midwest Mobile App or use your mobile web browser to visit bankmidwestmobile.com. Log in using your Online Banking ID and Password. Accept terms and conditions by clicking checkbox next to I Agree. Tap Next to continue. Choose whether you want to receive transfer and payment confirmations via text messages*. Enter your mobile number and select your wireless provider. Click Enroll Now. Note: This will enroll ALL of your online accounts in mobile banking. To remove accounts from mobile access or change your text preferences, log in to the online banking from your computer and update this information under the Settings tab. II. From Your Computer If you re already banking online from your computer, set up mobile access to your accounts: Visit bankmidwest.com and log in. Go to the Settings > Mobile Settings > Web Mobile Settings page and select the Enable Web Access check box. 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. Enter mobile phone number and select your provider. Choose the accounts that you wish to access via mobile web banking. Click Submit. Review enrollment information and Terms and Conditions. Click Confirm to finish enrolling. Open the Bank Midwest Mobile App or point your mobile web browser to http://bankmidwestmobile.com to log in and access your accounts from your mobile device. * There is no fee from Bank Midwest. Connectivity and usage rates may apply. Contact your wireless provider for more details. Text Banking Need your balance? Did your check clear? It s only a text away. Sign up today. It s free!*
Enroll in Text Banking Online Visit bankmidwest.com and log in to Online Banking. Select Settings > Mobile Settings > Text Mobile banking. Enter your mobile phone number. Select the accounts to access via text. Create a Mobile Short Name** for each selected account. Click Submit. Review enrollment information. Check I accept these full terms and conditions and click Confirm. You ll receive a text indicating your enrollment request. Reply YES to activate the text banking service. Note: Joint account owners need to set up separate Online Banking IDs in order to access text banking from multiple phones. Enroll online or contact your local branch for assistance. Valid Text (SMS) Messages Bank Midwest Short Code: 89549 Bal Hist Help Stop 5-digit validation code Returns balance for all enrolled accounts Returns last 4 transactions for all enrolled accounts Returns command references Disables enrollment for text mobile banking Received only when enrolling or changing enrollment information Text Banking Tips: Text messages are case sensitive. Add Bank Midwest s short code, 89549, to your Contacts list for quick access. Never text your account number. Use the Account Short Name. *There is no fee from Bank Midwest. Connectivity and usage rates may apply. Contact your wireless provider for more details. Security One of the first times you access your accounts online, we ll ask you to choose and answer three (3) Personal Verification Questions. During future online sessions, we ll ask you some of these questions if we feel there is a possibility that someone other than you is attempting to access your information. Please choose answers that you will remember. Incorrectly answering questions can lead to your account access being disabled. Security Reminders We will NEVER email you for your personal information. Any email claiming to be the bank requesting personal information such as Social Security numbers, IDs, or passwords should not be trusted or opened. Do not write down your password. Use a unique password to access online banking. Keep it different from passwords used for other sites and applications. Always exit your online banking session before leaving your computer. Questions? Email customersupport@bankmidwest.com or call 888.902.5662. Last Updated March 4, 2014