Wisconsin River Bank with location in Sauk City and Lodi. Wisconsin River Bank offers personal and business banking services.
Wisconsin River Bank has branch locations in Sauk City and Lodi, Wisconsin. Savings, checking, mortgages and home equity Loans. Wisconsin River Bank home page.Contact information for Wisconsin River Bank based in Sauk City and Lodi, Wisconsin.
Wisconsin River Bank serves the people and businesses of Sauk, Columbia and Dane Counties.

Frequently Asked Questions

WISCONSIN RIVER BANK ONLINE BANKING

Getting Started

1. What do I need to start using Wisconsin River Bank’s Online Banking?

2. Is Online Banking secure?

3. As a First Time User, how do I log in?

4. Why can’t I log in to Wisconsin River Bank’s Online Banking?

5. What is my Access ID?

6. If I have a joint account, how do I access my account?

7. How do I go about choosing my Password?

8. Is there a certain type of PC that is more compatible with the Bank’s Online Banking?

General User Information

9. Once all my banking transactions and inquiries are complete, how do I log out of the Bank’s Online Banking?

10. What is the cut-off time for transactions I want done on a certain business day?

11. When do my banking transactions appear on Wisconsin River Bank’s Online Banking system?

12. How can I be certain that a transfer I set up will occur?

13. How do I cancel a one-time transfer or a scheduled transfer?

14. How do I skip one of my scheduled transfers and keep future ones?

15. What is an Express Transfer?

16. When there is a large dollar amount in my account, why can’t I see all the numbers?

17. Why can’t I see my spouse’s account?

18. With Wisconsin River Bank’s Online Banking module, can I export into my Money Management Software?

19. What do I do if I forget my Password or get locked out by entering the incorrect password too many times?

20. Can I view my cleared checks in numerical order?

21. How do I view an image of a cleared check?

22. At times when I am viewing my statement, why does Wisconsin River Bank’s Online Banking system log me out?



1. What do I need to start using Wisconsin River Bank’s Online Banking?

For first time access to the system, you will be using the system generated Access ID and Password, which you were given at the time you opened your account. If you are unable to locate this information, please contact a Wisconsin River Bank Personal Banker for assistance. Once you are logged in, you will be prompted to change your initial Password to something that is unknown to anyone else. You will also have the option to change your Access ID to something other than your account number.

After successfully changing your Access ID and Password, you will be prompted to complete the secure Multi Factor Authentication process.

You will need Internet access using Internet Explorer 7.0 or higher OR Mozilla Firefox 2.0 or higher.

REMINDER: For best results, your screen should be set to 800 x 600 resolution.

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2. Is Online Banking secure?

The server that stores your Wisconsin River Bank account information uses Secure Sockets Layer (SSL) protocol. This security encrypts the data sent making it difficult to see your information. In other words, your information is sent in a scrambled format. To ensure that the information is being sent from a secure server, the address will start with “https://” rather than “http://.” Look for the “s” at the end. Also, you know you are receiving information from a SSL server when you see the closed padlock at the bottom of your computer screen.

NOTICE: By clicking on either the Internet Explorer or Mozilla Firefox link, you are leaving Wisconsin River Bank’s website. Wisconsin River Bank does not warrant or guarantee that the information on the external website you visit will be accurate or up-to-date. This foreign site is not subject to our Bank’s Privacy Policy. If you feel the site contains inappropriate material, or is no longer available, please Contact Us.

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3. As a First Time User, how do I log in?

Before you begin, you must fill out an Online Banking Application and insure it is signed by all owners of the account. You can request an application from a Wisconsin River Bank Personal Banker or click here. To get started, print the form, complete, sign and return it to the Bank. Once the Application is received, your access will be authorized within two hours. To access your accounts for the first time, you must click on the “First Time User” button, then click on “Terms & Conditions”; the Bank requests that you read our “Terms & Conditions” carefully. You may also refer to our most recent version of the “Important Information About Deposit Accounts” brochure.

Close this window to continue the log in process. Enter your initial Access ID, the type of account, and your initial Password. You will immediately be prompted to change your Password and Access ID. Your new Access ID must be typed in the “New Access ID” field. Your new Access ID must be 6 to 10 characters in length, with no specific requirements. Your new Password must also be 6 to 10 characters in length and must have at least one number and one letter in it (no special characters required).

You will then be prompted to set your Security Data.

Contact Information: Enter your email address. You will be requested to confirm your email, if it is not already in the respective fields.

Image and Phrase: Type in your authentication phrase in the respective field (to correspond with the image you see).

Challenge Questions and Answers: Choose three of the challenge questions and type in your answers in the respective fields. Be sure to remember your answers, as you will need them any time you are logging in from a public computer, as an additional security measure.

Select One of the Following Options: Personal Computer, Register It or Public Computer, Do Not Register It. Important Notice: Never register a public computer that can be used by another individual.

The next time you log in, you will not need to click on the “First Time User” button. If you are logging on to a computer that you registered, you will simply enter your Access ID, click Submit, and your image and your chosen phrase will appear. If this is all correct, you will enter your Password. If you are logging in from a computer that you did not register, you will enter your Access ID and one of your challenge questions will appear for you to answer. If you answer correctly, the image and chosen phrase will appear; and if correct, you will enter your password and then click “Submit”.

In the event you are locked out of the system (you forget your Password or try the incorrect Password too many times) you will need to notify a Wisconsin River Bank Personal Banker to reset your Password. Once your Password is reset, you will be able to log in.

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4. Why can’t I log in to Wisconsin River Bank’s Online Banking?

Before you begin, you must complete an Online Banking Application; you can request one from a Wisconsin River Bank Personal Banker. Once the signed application is received by the Bank, your access will be authorized within two hours.

The security feature for Wisconsin River Bank’s Online Banking is only valid provided you are the only person who knows your Password.

If you have not logged into Wisconsin River Bank’s Online Banking within the last ninety (90) days, you will have to log in as a first time user. If you were receiving eStatements (a/k/a electronic bank statements), you will also need to notify your Personal Banker to have your eStatements set back up.

Your Access ID is case sensitive. If you used any capital letters in setting up your Access ID, you must capitalize those same letters each time you enter your Access ID. If you are still unable to access Wisconsin River Bank’s Online Banking system, check to see if your computer’s caps lock button is activated.

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5. What is my Access ID?

Your initial Access ID and password are assigned at account opening. Once you are logged into the system, you will be prompted to change your Password and Access ID.

Your new Access ID must be 6 to 10 characters in length and is case sensitive; however, there are no specific requirements as to the type of characters.

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6. If I have a joint account, how do I access my account?

If the only account you have is a joint bank account, the first owner to log in, for the first time, will use the assigned user ID and Password. This account owner must change their Access ID at the same time they change their Password. When the second owner logs in, for their first time, they will use their account number as their Access ID and use the last 4 digits of their SSN as their Password. You will be prompted to change both Access ID and Password. Each owner will have their own Access ID that corresponds with their Password.

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7. How do I go about choosing my Password?

We strongly suggest that you do not use the name of your spouse, child, pet, a family member’s birthday, or any other code that may be easily determined as a Password for you. You may use the “Password” button to change your Password if you choose; however, to help you protect your Password, you will be prompted to change it every 90 days.

Your new Password must be 6 to 10 characters in length and must have at least one number and one letter in it. As a reminder, your Password is case sensitive, and should be complex.

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8. Is there a certain type of PC that is more compatible with Wisconsin River Bank’s Online Banking?

The most compatible type of PC to work with Wisconsin River Bank’s Online Banking is an IBM PC.

The minimum browser requirements are:

Microsoft Windows (98, ME, XP & Vista)
- Microsoft IE – 7.0 and higher
- Mozilla Firefox – 2.00 and higher
- Opera – 8.0 or higher

Mac OS X
- Mozilla Camino – 1.5.3 and higher
- Apple Safari – 2.0 and higher
- Mozilla Firefox – 2.0 and higher
- Opera – 8.0 and higher

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9. Once all my banking transactions and inquiries are complete, how do I log out of Wisconsin River Bank’s Online Banking?

You may log out of Wisconsin River Bank’s Online Banking pages by clicking “Home”. This ends your Online Banking session, and brings you back to Wisconsin River Bank’s home page.

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10. What is the cut-off time for transactions I want done on a certain business day?

Any transactions done before 6:00 PM on a business day will post on that same day. Any transactions done after 6:00 PM on a business day will post on the next business day.

Saturdays, Sundays and Federal Holidays are not considered business days.

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11. When do my banking transactions appear on Wisconsin River Bank’s Online Banking System?

You are able to view most of your financial information “live”. Any transactions that are completed in person at the Bank, through Wisconsin River Bank’s Online Banking system, or through Wisconsin River Bank’s Telephone Banking system will appear under the “Current Transactions” button. Any electronic items, including ATM and debit card transactions, will appear on Wisconsin River Bank’s Online Banking system the next business day after the day the transaction takes place.

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12. How can I be certain that a transfer I set up will occur?

One Time Transfer. You can rest assured, when you receive a Confirmation Number, that your “One Time Transfer” has occurred. We recommend that you print the page with your Confirmation Number on it. You may want to write down the Confirmation Number and transfer information, if printing is not possible. The Bank will need your Confirmation Number in order to research any dispute.

New Scheduled Transfer. The details of your transfers that were set up using the “New Scheduled Transfer” button will appear by choosing the “Transfer” button under the account the transfer will be coming from.

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13. How do I cancel a one-time transfer or a scheduled transfer?

A One Time Transfer is “real time”. This means once you “Submit” your transfer request, it will reflect in your balance. In order to reverse this transfer, you will need to transfer the amount the opposite way from the original request. For example, if you transferred money from your savings account into your checking account, you would need to do just the opposite to reverse it (you will transfer the same dollar amount from checking into savings).

A Scheduled Transfer is not “real time”. This means they post to your account during the system’s nightly update. If your transfer is scheduled for the current business day, you can still change it before the system’s update. Any transactions done before 6:00 PM on a business day will post on that same day. Any transactions done after 6:00 PM on a business day will post on the next business day.

Saturdays, Sundays and Federal Holidays are not considered business days.

You may view scheduled transfers by clicking on the “Transfer” button. To modify a scheduled transfer, click the account number involved in the transfer you wish to change; this will open the transfer details. To cancel the scheduled transfer, change the remaining transfers to zero. At this time, you may also make other changes, as needed. Click “Update Transfer Information” to complete.

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14. How do I skip one of my scheduled transfers and keep the future ones?

Click on “Accounts”, go to the bottom of the drop-down menu and select “Account List”. Select the account that the transfer is being made from, click the “Transfers” button, go to the bottom of this drop-down menu and select “Transfer List”. From the list of transfers, select the one you wish to skip. Change the transfer date to the date that you now want the transfer to resume and then click “Submit”. This will skip the current transfer date and amount, and the transfer will continue with the date that you entered.

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15. What is an Express Transfer?

An Express Transfer will allow you to make a transfer with just 4 simple clicks of your mouse. Click the “Express Transfer” button; then select the account that the funds are coming from. Select the account which the funds are going to; enter the amount you choose to transfer and then click “Next”. A verification screen will appear. After you have reviewed the transaction, click “Submit”. If you change your mind, you can click “Cancel” to end it, or “Back” to make appropriate changes. When you click “Submit”, a confirmation screen will appear. Click on “OK”. We recommend that you either print this screen out or write down the confirmation number. Should there be a dispute with the transfer, the Bank will need this number to research it further.

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16. When there is a large dollar amount in my account, why can’t I see all the numbers?

For best viewing, your screen resolution should be set to 800 x 600. To select or view your settings, click Start, Settings, Control Panel, and then click Display. A window will be displayed. Select the Settings tab, and in the bottom right corner, change the screen area to 800 x 600 pixels, then click Apply.

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17. Why can’t I see my spouse’s account?

Your Password allows you access to only the accounts in which you are either an owner or a signer. If you are not able to view an account that you believe you should be able to view, please contact your Personal Banker during regular business hours (8:00 am – 4:30 pm; Monday through Friday).

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18. With Wisconsin River Bank's Online Banking module, can I export into my Money Management software?

Yes, you can export your transaction information from Wisconsin River Bank’s Online Banking module. First, select the account from which you wish to export the information. Click the “Transactions” button, then click on “Transaction Search”. On the right side, there will be a box with the heading “Transaction Search”. Within the box, there are different fields from which you may select specific transactions or an entire statement to export; be sure to choose what you want exported.

At the bottom of this box, you will select the format that your money management software accepts, then click “Export”. You will be able to select from: Comma Separated File (.CSV) which can be opened up in Excel or Notepad; Intuit Quicken (QIF), 2005 Version or older; Microsoft Money (.OFX); and Intuit QuickBooks (IIF), 2005 Version or older.

You cannot import from your money management software. Importing data must be done through Wisconsin River Bank’s Online Banking module.

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19. What do I do if I forget my Password, or get locked out by trying the incorrect Password too many times?

You may retrieve your forgotten password (if you are not locked out) through an email sent directly to you by clicking on the “Forgot Your Password?” link on the Online Banking Log In page.

If you are locked out of Wisconsin River Bank’s Online Banking system, simply call your Wisconsin River Bank Personal Banker during regular business hours (8:00 am – 4:30 pm; Monday through Friday). They will reset your Password and access will be restored within two hours. You will then be able to log in, with the Password provided by your Personal Banker. Your Access ID will remain the same as the one you previously used (with some rare exceptions).

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20. Can I view my cleared checks in numerical order?

Yes, you can view your checks in numerical order. Access your checking account, click on the “Transactions” button, go the bottom of the drop-down menu and select “Transaction Menu”. On the right side of the screen there is a box titled “Transaction Search”. In the “Cycles” box, select “Previous Statement”, in the “Transaction Type” box, select “Checks” and in the “Sort By” box, select Number (either Ascending or Descending – your choice).

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21. How do I view an image of a cleared check?

Go into “My Accounts” and select your checking account. Click on the “Transactions” button and select the statement in which your check cleared – previous or current. Click on the check number you wish to view. A window will appear with the image. You can view the front or the back of a check, and have the ability to rotate for easier reading.

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22. At times when I am viewing my statement, why does Wisconsin River Bank’s Online Banking system log me out?

Wisconsin River Bank’s Online Banking module has a security feature that will log you out after 20 minutes of inactivity. The simple viewing of a statement is not considered “activity”. Online Banking “activity” would be actual transactions done within the module, i.e. a transfer or downloading a statement into your money management software.

Another possibility that may cause you to be logged out of Wisconsin River Bank’s Online Banking module could be your anti-virus software. The software may cause interference that will automatically log you out of the module.

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If you have any questions that are not addressed above, please feel free to Contact Us, jglynn@wisconsinriverbank.com or jjohnson@wisconsinriverbank.com.


Locally owned and managed.

Locally owned and managed.


Wisconsin River Bank Residential Mortages.

Wisconsin River Bank offers Personalized Personal Banking with a Community Touch.
 

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