| Frequently Asked Questions (FAQ) |
1. What do I need to start using internet banking? To sign up for Online Banking you will need to complete the Internet Banking Application. Upon Completion you will be given a Password. You will also need to know one of your account numbers. Your account number will be your Access ID when you log in as a First Time User. Please contact Badger Bank at (920) 563-2478 during regular business hours or stop at one of our locations for more information. You will also need internet access Internet Explorer 6.0 (or greater) or Netscape Communicator 6.1 (or greater). Internet Explorer 4.01 or Netscape Communicator 4.61 are minimum requirements. Some online banking features may not be available with earlier browser versions. If you do not already have the 128-bit high encryption pack option for Internet Explorer, download Internet Explorer High Encryption Pack now! 2. Is internet banking with Online Banking secure? The server that stores your Badger Bank account information uses Secure Sockets Layer protocol (SSL). 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:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this: Using 128-bit encryption technology scrambling your information, it would take a computer dedicated to doing nothing else many years to unscramble. We require that internet Explorer browsers use the 128-bit high encryption pack option for the strongest security available. internet Explorer High Encryption Pack is available for download now. Netscape users must use Netscape Communicator 6.1 or greater with 128-bit encryption to access Online Banking. Netscape Navigator 2.0 and 3.0 display a broken key icon when on a site that doesn't require encryption and a solid key appears when the site is secure. However, Netscape users of Online Banking must use Netscape Communicator 4.5 or greater with 128-bit encryption, so you should upgrade your browser if you do not see a closed padlock. 3. What is my Password? 4. I'm a First Time User of Online Banking. How do I start? Before you begin, read the Online Banking Agreement and Disclosures. To access internet banking, click on the "Logon" button found on the Badger Bank website. You will then see a "First Time Users" button for you to use. Complete the information as requested on the screen:
After choosing "Submit", you will then be asked to change your Access ID and Password. The bank will not know the Access ID and Password you choose, so you must carefully protect and remember it. You may choose to change your Access ID (it is not required, you may choose to re-enter your account number), however, you are required to change your Password at this time. Your password must be six (6) to ten (10) characters in length. Letters and/or numbers are allowed, and a combination of both is encouraged. 5. I have a joint account. How do I access my account? Each customer needs to sign on to Online Banking with his or her own Access ID and Password. Joint account holders cannot use the same Access ID to access their accounts, even if they set up different Passwords. If one signer on the account has already accessed Online Banking using the “First Time Users” button, their Access ID (this may be the account number) is assigned to that password. If a password is already in use or has been chosen by another Badger Bank customer, you will be prompted to choose a new Password. 6. After I log on to Online Banking, what should I do first? Welcome! Once you're logged in to your accounts, there isn't any right or wrong thing to do first. The "Options" button makes it very easy to change your Password, and we encourage you to make a habit of changing it often for your own security. Click on the "Accounts" button to see your accounts listed. You can view each of them in more detail by clicking on the corresponding account number. You will be brought to the "Balances" screen. Just click on the other available buttons to see the different types of information now available to you. 7. One of the choices to log on the Account Type is COD. What is that? COD means Certificate of Deposit. You can log on using your Certificate of Deposit number by choosing this account type. 8. When do my banking transactions appear on Online Banking? You are able to view your financial information "live". Any electronic items, including ATM or debit card transactions, or in person transactions will appear immediately under the "Current Business Day". When you write out checks that are cashed by others who do not bank with Badger Bank, the total amount of those checks will appear in a group as "Memo Posted Debits". As Badger Bank pays them, they will appear under your "Current Statement" as individual checks and their corresponding amounts. Transactions that we receive, but have not been run through the bank yet, are listed in a group as "Memo Posted Debits". This is found in the "Current Business Day" section of the transaction menu. This is the most up-to-the-second balance of your account. 9. How can I be certain that a transfer I set up will happen? One time transfer.You can rest assured when you receive a Confirmation Number that your "One Time Transfer" occurred. We recommend that you print the frame with your Confirmation Number on it. (Write down the Confirmation Number and transfer information if printing is not possible.) If you have any questions about this transaction, we will need this Confirmation Number in order to help you. You will be able to view the transfers by choosing the "Transactions" button for each of the saving or deposit accounts and looking at the "Current Business Day". A transfer made from a deposit account will appear immediately, however, the payment made to a Demand Deposit Loan (DDL) will appear only after the nightly bank processing update. New Scheduled Transfers. 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. 10. How do I cancel a one-time transfer or scheduled transfer? One time transfers are "real time" , meaning once you submit your transfer request it affects the balance. To "undo" the transfer, you have to reverse the transfer. That is, to "reverse" a transfer you just made of $100.00 from your checking to your savings account, you would now need to transfer the same amount of $100.00 from your savings account back to your checking account. Scheduled transfers are not "real time"; that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer. View your scheduled transfers to be held in the future on each account using the "Transfer" button. To modify a transfer, click on the link to the account you wish to change. It will open the transfer details you had set up. To cancel the scheduled transfer, change the remaining transfers to zero, or make other changes you wish. Choose "Update Transfer Information". 11. When I get large amounts in my accounts, why can't I see all of the numbers? For best viewing, your screen resolution should be set to 800 x 600. 12. Why can't I see my spouse's account? Your password allows you access to the accounts which you are an owner or signer. If you are not able to view an account which you believe you should be able to see, contact Badger Bank at (920) 563-2478 during regular business hours. If you are not an owner or signer on an account, you will not be given access to that account. For example, if your spouse holds an account in his or her own name, you will not be able to view it in your household accounts. 13. When I make a transfer to my loan, how is it applied? All transfers to loan accounts are first applied to any principal and interest payments that are currently due. Any excess money from the transfers will be applied to principal only. You can not make payments to your fixed rate Freddie Mac mortgage loans. You will need to contact or stop at the bank to make these payments. 14. Can I use Online Banking with my Quicken or Microsoft Money? You can export your transaction information from Online Banking. First select the account you wish to export the information from. Hover over the ‘Transaction’ button and choose ‘Export Transactions’. You will be able to select the format that your financial software accepts: Comma Separated File (.CSV), Intuit Quicken (.QIF) *FYI… Latest versions of Quicken will not work properly*, Microsoft Money (.OFX), or Intuit Quickbooks (.IIF). When you are using your financial software, Quicken or Microsoft Money, for example, you can use their import function to bring in the Online Banking information file that was exported. 15. Can account access be denied? |
