GETTING STARTED

What is Internet Banking?

Internet banking is a convenient way to access your checking and savings accounts right from your home computer. Your routine banking can be done without going to the bank. You can look up account balances, transfer funds from one account to another, and with the On-line Bill Pay feature, you can even pay your bills right from your home computer.

Which of my accounts can use on-line banking?

 

Any of your West Bend Savings Bank checking and savings accounts can be accessed with on-line banking. Transfers may be done on-line between any of these accounts. Online transfers after 8PM Central Time are posted the next morning. Balances on any loans you have with West Bend Savings Bank are also available through the on-line bank.

What banking activities are available through on-line banking?

• Access to your accounts 24 hours a day, 7 days a week

• Review and print activity for a time period which you specify, last 2 days or last 30 days Account statement(s) which are current and viewable.

• Transfer between accounts at any time, transfers received after 8PM Central Time will be posted the next business day.

• Verify deposits and withdrawals

   

   

With On-line Bill Pay:

• Pay bills (to anyone!) right from your home computer (avoid postage, envelope, and check printing costs, plus save time).

• Maintain list of payees and accounts numbers for single or recurring payments.

 What equipment and software do I need to use on-line banking?

•  PC or Macintosh Computer with Internet access.
  • Netscape Navigator version 7.0, Microsoft Internet Explorer version 6.0, Mozilla Firefox version 1.0, Mozilla Camino version 0.8.1, Opera version 7.54, Apple Safari version 1.2.1 or higher.

     
    Do I have to modify my browser to work with the on-line banking?

    You will need an updated browser to support the security features of on-line banking: Please see supported browsers above.  If you need to update your browser, you may click on the appropriate symbol below and the most recent version of that brower will be downloaded at no cost to you. 

    If you are experiencing difficulty, check your browser setting to be sure that JavaScripting and strong encryption (128 bit) options are enabled.

     

WHEN USING ONLINE BANKING 

Why can't I use the Back and Forward navigation command in the site?

The back and forward navigation setting will not work getting in and out of the bank@wbsavings. For security purposes, once the on-line bank is exited, you must sign in again with your unique user name and PIN number.

How secure is the site?

We provide our customers 3 levels of security for on-line banking.

•  Encryption

 

There are firewalls between the Internet and our production network, and on non-production networks. When information is sent via the internet, the information is "scrambled" or encrypted. The information is kept in a secure site and a series of PINs and firewalls provide protection of the information until the info is retrieved through another series of firewalls.

The bank@wbsavings is a secure document using a high grade RCA 128 bit encryption system issued by Verisign, where all data is "scrambled" between the bank and your computer to protect your financial information. (You can tell if you are looking at a secured document if there is a lock graphic somewhere along the bottom of your screen.)

 

• PASSWORD or PIN (Personal Identification Number)

  You must select a PIN number that you will enter each time you log in.  You may change your PIN at any time.  Please remember to keep it confidential as you would a ATM card PIN, it should be a unique number and letter sequence, a combination of letters and numbers is required. Do not use readily available numbers like date of birth, spouses name, phone number etc.

  • Time out

The system has a time out feature, if there is no activity, the session will automatically terminate to protect you if you should happen to leave the session open and then leave your computer.

• Multi-factor Authentication

Layered or Multi-Factor Authentication is used for compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines when accessing account information electronically. The process used by West Bend Savings Bank is called Layered Authentication.

  

Who do I contact if I have questions or problems?

If you have any problems or questions, please e-mail to bank@wbsavings.com or call our Customer Service Department at (262)334-5042 or 1-800 -924-7309.  Customer Service hours are 8:30AM-5:00 PM Monday thru Friday Central Time.

  

Our mailing address is:
West Bend Savings Bank

 
QUESTIONS FOR CURRENT USERS

PIN NUMBERS

My PIN doesn't work, what do I do?
Check your cap lock key.  Your PIN is case sensitive. Double check to be sure the PIN is being entered correctly, if it still doesnt work contact Customer Service .

Can I create my own PIN number?
Yes.  By simply clicking on the account and clicking My Profile you can change your password at any time.

What if I forget my PIN?
If you have forgotten your PIN, please call Customer Service at 262 334-5042 or 1-800 -924-7309.  Customer Service hours are 8:30AM-5:00 PM Monday thru Friday Central Time.
. They will be able to re-issue another PIN number, when received, you will have to create your own PIN again.

Can I e-mail questions about my account to you?

E-mail is not secure.  Most questions can be handled over the telephone.  Never transmit account information or social security numbers on regular e-mail, but only through a secure page on a web site (with https address and a "lock" graphic showing).

ON-LINE BILL PAY

How does the bill pay feature work?
Bill pay is an automated feature that allows you to take care of paying your bills from your home computer.  Simply list the payees and specify the payment amount and the due date of the bill .  You may send a single payment or set up recurring payments to an individual or business.  In one sitting, you can program the bills for the month without writing out a check, or worrying about stamps, or going to the post office. Your payments are listed as pending payments and can be changed or deleted up to 4 days before the due date.

How do Electronic Bill Payments Work?
When you make an electronic bill payment, West Bend Savings Bank typically turns the payment over to a bill payment service provider for processing. The service provider determines whether the payee can receive an electronic payment, and if so, sends an electronic payment. If the payee cannot receive an electronic payment, the service provider sends a paper check. You can sit down once a month and program in all of the bills to go out that month, you can even set up a years worth of bills on the system, it allows up to 99 payees to be listed.

How do I get started with on-line bill pay?
Organize all of the information about the accounts you want to pay through the bill pay feature. Gather :

• Payee Name

   

• Payee Payment Address

   

• Payee Phone Number

   

• Your account number (or how you want the bill to be credited to the payee)

   

Go into the "add new payee" screen and begin entering the information for each of the payees, bills can be set up as one time payments or recurring payments and may be edited up to 4 days before the due date.

How do I know the payment has been made?
The funds will be withdrawn from your account when the check clears or on the due date if it is an electronic payment.  If you are concerned about a particular payment, please call our customer service department at 262 334-5042 or 1-800-924-7309 Monday through Friday 8:30AM-5:00 PM Central Standard Time

How does the recurring payment feature work?
A recurring payment is a payment made to the same payee in the same amount on a recurring date, for example, you could set up a recurring auto loan payment of $200 to be paid every month on the 15^th. To set up a recurring payment, type in the payee information on the new payee/payment screen and designate the date and frequency of payments. The recurring payments will show up on the pending payments screen, only one will appear at a time, after the payment is made the next date will show on the pending payments screen . 

Why can't I schedule the due date less than 4 days prior?
Most payees will accept electronic payments, however, some do not. A check will be issued and processed through the U.S. Mail, or an electronic payment will be sent the four day window guarantees the payee will receive the payment prior to the due date. The funds remain in your account until the due date or until the check clears. 

What if I don't have enough money in the account to cover a bill payment?
If the funds in the account are insufficient to cover a bill payment, overdraft fees will be assessed to the account.

What is the difference between semi-monthly and bi-weekly payments?
Bi-weekly affects the account every other week. This might mean that an account will be affected more than twice a month. Semi-monthly affects the account only twice a month. The payment frequency is paired 15 days apart. Example: if a bill's first payment is on the 10^th of the month, the second payment will be the 25^th of the month. If the payments are set up as bi-weekly, the first payment will be the 10^th, the next payment on the 24^th and the following month will be on the 7^th or 8^th of the next month)

How many times can I pay a bill?
You can choose a one time payment , or a recurring payment. You choose when you want the payment to come out, how much the payment can be, and who the check should be made payable to. It's as easy as that. Once you have the information in, you can sit back and know that the payment will be taken care of. It will be listed on your normal monthly statement.

Who do I contact if I have questions or problems?
If you have any problems or questions, please e-mail to bank@wbsavings.com or call our customer service department at (262)334-5042 or 1-800 -924-7309 customer service hours are: 8:30AM-5:00 PM Monday thru Friday Central Standard Time